Auto insurance
Coverage for the Road Ahead
Auto insurance is designed to help protect you financially when the unexpected happens — from accidents and vehicle damage to theft and liability claims.
The right coverage depends on your vehicle, your needs and your policy. The Newton Agency can help you understand the options and find coverage that makes sense for you.
Navigate with confidence
Protection for the road ahead.
UNDERSTANDING YOUR COVERAGE
What Does Auto Insurance Cover?
Auto insurance can include several different types of protection. Some help protect you from financial responsibility when you cause an accident, while others help protect your own vehicle, passengers and expenses.
Here are the major types of coverage to understand.
CORE TYPES OF COVERAGE
Protection Designed for Different Situations
01 — Liability Coverage
Protection when you’re responsible for an accident.
Liability coverage can help pay for injuries or property damage you cause to others.
Bodily Injury Liability
Helps cover injuries to other people resulting from an accident for which you are responsible.
Property Damage Liability
Helps cover damage you cause to another person’s vehicle or property.
02 — Collision Coverage
Protection for your own vehicle after a crash.
Collision coverage can help pay to repair or replace your vehicle when it is damaged in a collision, subject to the terms and deductible of your policy.
03 — Comprehensive Coverage
Protection beyond collisions.
Comprehensive coverage can help protect your vehicle against certain non-collision losses such as theft, vandalism, fire, storm damage, falling objects and animal strikes.
04 — Medical & Injury Coverage
Help with expenses following an accident.
Depending on your policy and applicable state requirements, medical-related coverage may help with eligible medical expenses for you or your passengers after an accident.
05 — Uninsured / Underinsured Motorist
Protection when the other driver doesn’t have enough insurance.
This coverage can help protect you when you’re involved in an accident with a driver who has no insurance or insufficient coverage for the loss.
06 — Optional Coverage
Additional protection for the way you drive.
Roadside Assistance
Help when you’re stranded.
Rental Reimbursement
Helps with eligible rental-car costs following a covered loss.
Gap Coverage
May help address certain differences between a vehicle’s value and outstanding loan or lease balances.
Custom Equipment
Additional protection may be available for qualifying aftermarket equipment.
WHY IT MATTERS
More Than a Legal Requirement
Auto insurance is about protecting yourself financially when something goes wrong.
Meet Your Responsibilities
Required insurance protections help satisfy applicable financial-responsibility requirements.
Protect Your Finances
Vehicle repairs, medical expenses and liability claims can add up quickly. The right coverage can help protect you from significant unexpected costs.
Be Ready for the Unexpected
The right combination of coverages can provide meaningful financial protection when accidents, damage or other unexpected events occur.
A CLEARER WAY THROUGH INSURANCE
You Don’t Have to Navigate Auto Insurance Alone.
Deductibles. Liability limits. Collision. Comprehensive. Uninsured motorists. There’s a lot to consider.
At The Newton Agency, we’ll help you understand what the different coverages mean, how they work together and what questions you should be asking.
Clear Explanations
Insurance language translated into understandable terms.
Personal Guidance
Help based on your situation, vehicles and priorities.
Coverage That Makes Sense
Understand what you’re buying and why it matters.
Coverage availability, limits, deductibles, exclusions and terms vary by policy and state. This page is intended as general information and is not a statement of coverage.
THE NEWTON AGENCY
Ready to Talk About Your Auto Insurance?
Whether you’re buying a new vehicle, reviewing an existing policy or simply wondering whether you have the right coverage, we’re here to help.
Serving Cheshire and communities throughout Connecticut.