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Home > Auto / Car Insurance Quotes - Shelton CT & Stratford CT

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Personal Auto Quote

Auto Insurance Information

GOOD DRIVERS ARE RESPONSIBLE DRIVERS.

 

Driving is dangerous, no matter how safe you try to be, and whether you are parked in your driveway or in the middle of the interstate, you will face countless liabilities that could become big problems in an instant. You need to be prepared for anything, from wrecks to vehicle theft, and a quality auto insurance plan provided by the experts at AJ Gambardella Insurance will make sure you are ready. Our quality auto insurance plans come from a trusted network of carriers, all of which are committed to offering customer-focused insurance solutions at competitive prices. 

We’re your one-stop destination for all your insurance needs, and if you want to make your search for auto insurance easy, then just call us at (203) 377-8455 or request your free quote now! 

More About Auto Insurance 


Why is auto insurance important?   

By owning a car, you invest a lot of money in a very complicated machine that is essential to your day-to-day life. By getting behind the wheel, you expose yourself to numerous accident hazards, and if the worst ever happens, the recovery costs could become astronomical.  

Personalized auto insurance is the vessel that will help you pay for these accident costs. It will ensure that you never suffer a huge financial setback just because you experienced an unfortunate problem. 

How much auto insurance do I need? 

Every driver is unique, which is why all auto policies vary. However, they contain a few essential types of coverage from which every driver can benefit: 

  • Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property Damage Liability Coverage: This pays for damage to the other party’s property.

  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


There are numerous other benefits that you might be able to add into your policy, such as: 

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance


Is auto insurance required? 

By law, every Connecticut driver must carry at least the following auto insurance limits: 

Bodily Injury Liability Insurance 

  • $25,000 per person

  • $50,000 per accident


Property Damage Liability Insurance 

  • $25,000 


Uninsured Motorist Bodily Injury Coverage 

  • $25,000 per person

  • $50,000 per accident


All drivers are highly encouraged to both increase their required coverage to higher limits and to invest in the additional coverage that is best for them. 

How much does auto insurance cost? 

Numerous factors can influence the overall cost of your auto insurance. Still, you can rest assured that when you come to AJ Gambardella Insurance, our team of experts will help you comprehensively tailor your plan and compare the coverage options within our network to find which policy option offers you the best affordability. 

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6580 Main St
Suite 201
Stratford, CT 06614

Phone: (203) 377-8455
Fax: (203) 375-9938
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