Consider contacting David Johnson at the D.M. Johnson Insurance Agency for expert advice. David and his team of licensed insurance agents have over one hundred years of combined experience in the insurance business. They have helped clients protect the assets they have worked hard for in Newington, Wethersfield, Rocky Hill, Cromwell, Middletown, Berlin, West Hartford, Farmington, Avon and other towns all over the state. You can visit them in Newington at 2434 Berlin Turnpike, Newington or by calling 860-436-5339.
D. M. Johnson Insurance is your knowledgeable local agent who has experience with auto, home, motorcycle, umbrella, life, disability and business insurance. Whether you’ve recently purchased a new vehicle or home, or you’re thinking of making the move to a new insurance provider, our experienced, friendly, and professional customer service representatives can help.
Contact D. M. Johnson Insurance today to learn more about the optimal insurance coverage options for your vehicles, home and business. Plus, find out what discounts you might be eligible for.
About Rocky Hill
Rocky Hill is a town in Hartford County, Connecticut, United States. The town is part of the Capitol Planning Region. The population was 20,845 at the 2020 census. It was originally land of the Wangunks (a tribe of Native Americans). Europeans began to settle the area of Rocky Hill in 1650, as part of Wethersfield, the neighboring town to the north. In 1722, the area became known as Stepney Parish, until it was independently incorporated in 1843. Rocky Hill’s location on the Connecticut River made it a natural port for Wethersfield and an early center for shipbuilding, agriculture, and trade.
Rocky Hill is a typical bedroom community, as many residents commute to work in the larger urban centers of Hartford to the north and New Haven to the south.
Rocky Hill is the home to the Dinosaur State Park. Rocky Hill also was once the headquarters of Ames Department Stores, which ceased business operations in 2002.
Shopping for Auto Insurance
Shopping for auto insurance is like shopping for any major item. It’s a good idea to shop around to find the policy that best meets your needs and budget.
The first and foremost item to consider is that you are responsible for the accidents you cause. Therefore, you want to make sure that you have enough coverage to protect you, your passengers, and the assets you’ve worked hard to attain. In Connecticut and other surrounding states, you are responsible (liable) for the accidents you cause, which is why auto insurance is mandatory in most states. The mandatory portion of an auto policy is called liability insurance. The liability portion of your policy pays to repair the other driver’s auto and their medical expenses if you’re at fault in an accident. Connecticut requires you to autory a minimum of $25,000 in Bodily Injury liability coverage for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage per accident.
This minimum coverage may seem attractive because of their lower price, but they may not be enough to cover all the costs if you’re at fault in an accident. In the event you are at fault in an accident and do not have enough coverage, the other driver could sue you to collect the difference. Given the high costs of medical autoe and vehicle repairs due to inflationary prices, you will want to consider buying more coverage than just the required minimum limits.
Liability insurance doesn’t pay to repair or replace your auto or to treat your injuries. Other types of coverage to consider include:
Collision – pays for damage to your auto that you are responsible for.
Comprehensive – pays for damage from fire, hail, vandalism, or theft.
Uninsured or Underinsured Motorist – pays for damages that you are legally entitled to recover for medical treatment if the driver who caused the accident didn’t have enough insurance or didn’t stop (hit-and-run). In Connecticut, this coverage is mandatory, but may be waived after the sale and is usually sold at limits matching your liability coverage. Medical payments – pays medical bills/expenses for you or your passengers resulting from an accident, regardless of fault. Deductible – A deductible is the amount you must pay before the insurance company will pay. For example, if you have a claim for $1,200 and a deductible of $500, the insurance company will deduct $500 and pay you $700. The higher your deductibles, the lower your premium
As you can see, there are lots of components to auto insurance, so you want expert advice. You can find that searching by for an insurance agent near you that can help you choose what’s best for you.
