Insurance Companies Have Decided To Take a Stand On Distracted Driving

Cell phone violations will now be charged as a major violation with some companies. What does this mean? A major violation in the insurance industry means they will not write your policy with this violation. Other examples of major violations are DUI/reckless driving or evading responsibility. So for 5 years you would have trouble finding insurance and would be paying …

I’m buying a new house, now I need insurance…

Buying a new home is a wonderful/stressful experience. You put in a bid and you negotiate the purchase price. Now you have to get a homeowners insurance quote. Your bank calls this hazard insurance. If you buy a home in a flood zone then you will also, need flood insurance. A HO3 (home policy) in the State of CT covers …

Can I insure a vehicle I don’t own?

Many of our clients are asking this question lately, so we wanted to address the issue. The short answer is no. You have to own the item in order to obtain an insurance policy. This issue comes up is when a child of the insured wants to get a car in their own name and have the vehicle added to …

How do I keep my monthly bills from changing when everything seems to go up?

An easy way is to shop your insurance rates with an independent agent like ourselves. We are a local, family owned and operated business that has been in business since 1987. We will shop your prices yearly with all the companies we represent to keep your monthly bills down. Call us @ 203-878-3181 for a free quote. You have nothing …

Commerical Auto VS Personal Auto Policy

When do I need a commercial auto policy vs a personal auto policy.  Here a few of examples of when you would obtain a commercial auto policy: Your employees drive your car; You use your personal vehicle for business; You drive people for a fee including UBER; You deliver goods; You have commercial plates on the vehicle; You have equipment …

Referrals for a Good Cause

With Thanksgiving approaching, we here at Barth Insurance would like to thank you for all the years of business. We are very grateful for the opportunity to help your with your insurance needs. You’re like family to us and we appreciate you, entrusting your friends and family to us. For every person that is referred to Barth Insurance we will …

Don’t be fooled by roadside coverage on your auto policy

The roadside assistance coverage now being offered by most auto insurance companies has a downfall to using it. When you use this coverage, it goes on your claims history and can count against your policy. Since it is a claim, it can be chargeable and affect your rates. Recently, I had been trying to help a customer get a better …

Auto Insurance to Increase on Lower Income Drivers

Some of the state’s lower income drivers will pay higher insurance premiums, if a law requiring higher liability limits is passed by the legislature. The liability limits in CT have not been changed since 1971. Currently the limits for auto liability are $20,000 per person and $40,000 per accident for bodily injury and $10,000 per accident for property damage. The …

Say Goodbye to Full Glass Coverage in Connecticut

Automatic braking in vehicles is a great thing to help you avoid accidents. By 2022, 99% of all U.S. vehicles will be required to have automatic braking. This is part of the ADAS system, Advanced Driver Assistance Systems. The problem is that some of the sensors are in the windshield. Meaning your windshield will now have computer sensors. These computer …