A Guide to Motorcycle Insurance in Connecticut (CT)
The Connecticut River cuts through the state and makes a terrific backdrop (in parts, because much of it cuts through very inaccessible country) for a motorcycle ride from heaven! And because Connecticut is a world of contrasts from mountains to the big cities of Bridgeport and New Haven, it is a state that rewards exploration on two wheels. But in order to do it safely you first need to make sure that you have secured good Connecticut Motorcycle Insurance, so that if the unforeseen does happen that you are properly covered and will not be faced with a massive bill.
The very nature of getting motorcycle insurance in Connecticut is that at first it can seem like an unwelcome extra expense. But the truth is that your money is buying freedom of mind as you travel. Because otherwise there would always be a nagging voice in the back of your mind that would be worrying about the potential costs of accidents. So, for the sake of sorting out a Connecticut Motorcycle Insurance policy now, you get miles and miles of empty, open roads around places like Hartford or Stamford to enjoy at your leisure!
What are The State Minimum Requirements for Connecticut Motorcycle Insurance?
The state of Connecticut requires that you get liability coverage as an absolute minimum requirement for motorcyclists, and sets down what those minimums are in sections 38a of the Connecticut Regulations.
These are as follows:
$20,000 – Liability Cover for One Person
$40,000 – The liability cover for all of the people involved in one accident
$10,000 – Property damage
This is usually referred to as 20/40/10
These are relatively low limits and remember that they don’t cover you if your motorcycle is stolen, damaged by fire or vandalised in some way. So in order to get cover that means you can actually sleep at night with your bike locked up in the garage, and not worry about it being stolen you need to sort yourself out with some Comprehensive Connecticut Motorcycle Insurance that covers you for all of those eventualities.
This is important, because whilst Connecticut is generally one of the safer states, it still suffers from its fair share of motorcycle thefts, and especially in the bigger cities like Bridgeport or Waterbury it is much more common, so it is worth investigating getting a more encompassing full coverage policy that actually covers you for theft.
Equally, true is that motorcycles are often a sitting target for vandalism, and a quick key scratch on your motorcycle can end up costing you hundreds of dollars to repair.
Above all though it is worth reflecting on the fact that the state minimums are actually pretty low even assuming that both parties have proper insurance. But that in actual fact about 15% of all the people driving motorcycles don’t carry any insurance, and hence the whole burden could potentially fall on your CO Motorcycle Insurance policy.
With that in mind, you should certainly explore getting more than the minimums of Connecticut Motorcycle Insurance if you want to be assured of being properly protected.
(Also be sure to check in about Connecticut Motorcycle Insurance with the Connecticut Department of Insurance periodically, so that you can be sure that your cover meets all of the latest requirements.)
You should seek out a variety of Connecticut Motorcycle Insurance Quotes and explore which of them offers the best combination of value for money and levels of cover. You can then ride off into the sunset over the Connecticut river knowing that the only thing you have to think about is the glory of the view, and not what the consequences of having an accident might be...