If you live in Milford, CT, going on a road trip to Canada is an amazing way to spend your vacation. But will your auto insurance policy cover you while you’re there? White Oak Insurance LLC is happy to assist with all your queries. 

Here’s what you need to know before crossing the border:

Your Domestic Policy

If you have a standard auto insurance policy, chances are it won’t cover you for anything that happens outside of the United States and its territories. However, if your policy does include coverage for Canada, it typically only applies to Ontario and Quebec. If you plan to drive through other provinces, like British Columbia or Alberta, you will most likely need additional coverage.

Rental Car Coverage

If you’re renting a car while in Canada, your domestic auto insurance may not cover the rental vehicle either. That said, some credit cards offer secondary coverage for rental cars when they are used overseas, including in Canada. If something happens while driving the rental car and your primary insurance doesn’t cover it, your credit card company could pick up the tab instead. It is important to check with both your insurer and credit card provider before leaving to ensure that all of your bases are covered.

Canadian Auto Insurance Policies

If neither of these options appeals to you, then another option would be to buy an auto insurance policy from a Canadian insurance provider specifically for your trip. White Oak Insurance LLC can help you find the right policy for your needs before you leave Milford CT. Still confused? Contact us today, and we’ll answer all your questions.

There are many myths about auto insurance, which may crowd your judgment when purchasing car insurance. White Oak Insurance LLC in Milford, CT is here to set the record straight.

Here are the common car insurance myths we would like to debunk:

Myth#1: Red cars attract high premiums

This myth is grounded on the fact that red cars are assumed to be fast, hence attract high insurance rates. Among many factors considered in calculating your premiums, color isn’t one of them. So, don’t be afraid to purchase your dream red car because of the high insurance rates.

Myth#2: comprehensive coverage protects you against all risks

This perhaps stems from the word “comprehensive.” Your comprehensive car insurance only covers you against non-collision perils, like fire, theft, and falling objects. This means you should consider other car insurance policies if you want optimal protection. Other coverage options you can consider for your car include liability coverage, medical payments, collision coverage, and uninsured/underinsured motorist coverage.

Myth#3: If your friend borrows your car, their insurance covers your vehicle

That’s a blatant lie. Only your car insurance — and not someone else’s — will cover the associated losses caused by your vehicle. So if your friend borrows your car and causes an accident, it’s your car insurance that will cover the resulting liability costs and own damage.

Myth#4: Your insurer pays for the auto loan if it’s totaled

If your car is written off or stolen, your insurer will compensate you for the fair market value of your vehicle. Sometimes, this could be significantly less than the outstanding loan balance. It’s the responsibility of the owner to pay the difference. Unless you have gap insurance, you will have to pay for the difference from your pocket.

Get Auto Insurance Today

Need to learn more about car insurance in Milford, CT? Please get in touch with White Oak Insurance LLC.

With so many great weekend getaways in Connecticut, you may be wondering where to go first. Luckily, many beautiful, fascinating, and unique places throughout the state are perfect for Milford, CT residents. Let White Oak Insurance LLC present some of our favorite weekend drives across this beautiful state. Before you hit the road, however, make sure you have the right insurance coverage for your vehicle. 

Explore Connecticut With Auto Insurance Coverage From White Oak Insurance LLC

New Haven to Stonington Coastal Drive

Connecticut’s coastline is one of the state’s most visually stunning features. The drive from New Haven to Stonington will take you through beaches full of golden dunes and sandy shores. Stop and enjoy the view at numerous coastal towns along the way. Make sure to visit The Katharine Hepburn Cultural Arts Center and the Florence Griswold Museum, both excellent museums that offer unique and educational experiences.

Salmon River State Forest

This winding scenic drive is perfect for those who like to stop for some fishing or hiking along the way. The Salmon River State Forest is full of wildlife and beautiful scenery. Stop by the Day Pond, a popular spot for locals to gather and play some Frisbee or read a book.

CT State Route 169

Enjoy the scenic villages and woodlands of the Quinebaug and Shetucket Rivers Valley National Heritage Corridor. This drive is an excellent destination for peace, quiet, and nature seekers. Massive trees line your path, and the route will lead you through roads lined with ivy. The ideal time for this drive is autumn when the foliage turns color to quintessential American backroads driving.

Get The Right Auto Insurance Before You Explore

Connecticut is a state filled with beauty and history. With so many places to visit and so many ways to explore, there’s no better place to spend a weekend driving. White Oak Insurance LLC can help you drive with less worry by having an excellent auto insurance policy. If you’re a resident of Milford, CT in need of car insurance, please don’t hesitate to reach out to us today!