Auto Insurance
As your trusted local insurance professionals, we pride ourselves on securing drivers the most dependable car insurance—without the complications of a typical insurance company.
Auto insurance protects you from financial loss in the event of an accident. Enrolling in a reliable coverage program is essential, and the team at The Olderman & Hallihan Agency works with you to custom-build a policy that meets all your auto insurance needs. Our strategies rely on comprehensive insurance products to ensure your coverage is both dependable and tailored to you.
Coverage Options We Offer:
- Bodily Injury Liability
Covers injuries to others caused by the policyholder while operating an automobile. - Medical or Personal Injury Protection
Covers treatment for the driver and passengers in the event of an accident. - Property Damage Liability
Covers damages caused to someone else’s property while operating your vehicle. - Collision
Protects your car from loss during a collision with another vehicle or object. - Comprehensive
Covers damage or loss resulting from incidents other than collisions, such as theft or natural disasters. - Uninsured Motorist Coverage
Covers medical treatment if you are involved in a collision with an uninsured driver.
Auto insurance is designed for unexpected events, not routine repairs. That means issues like engine failure or worn-out parts typically aren’t covered under a standard Connecticut auto policy.
It can in some cases, but it depends on how you’re using the vehicle. If you’re regularly driving for work around Ansonia or nearby towns, you may need a commercial policy or added coverage to stay fully protected.
If you’ve added rental reimbursement to your policy, it can help cover the cost of a rental car while yours is being repaired after a covered claim. Be sure to check your daily limits and how long coverage applies.
Uninsured motorist coverage helps protect you if you’re involved in an accident with a driver who doesn’t have insurance. In Connecticut, this coverage is required and can help with medical expenses and other related costs.
Yes, this type of accident is usually covered under comprehensive coverage. With wooded areas and active wildlife around Ansonia and the Naugatuck Valley, deer-related claims are more common than many drivers expect.
A lapse in coverage can lead to penalties, registration issues, and higher rates down the road. Connecticut also has strict requirements for continuous coverage, so it’s important to keep your policy active.
Yes—and it’s required by most lenders. If you’re financing a car in Ansonia, you’ll typically need to carry full coverage until the loan is paid off.
In most cases, yes. Lenders usually require both collision and comprehensive coverage in addition to liability to protect the vehicle while it’s still being financed.
It can. If you’re driving less—whether commuting into New Haven or staying local in Ansonia—you may qualify for lower rates. It’s worth updating your policy to reflect your current driving habits.
Every insurance company uses its own formula to calculate rates, including factors like claims history, discounts, and underwriting guidelines. That’s why comparing options locally can make a big difference.
Yes—drivers here often deal with snowy winters, icy roads, and narrow streets in older neighborhoods. Add in heavy rain and falling leaves in the fall, and having the right coverage for seasonal conditions is especially important.
At The Olderman & Hallihan Agency, we understand that you want full protection against a wide range of auto risks while keeping premiums affordable. Our insurance professionals are committed to finding the best coverage for your needs and ensuring that you, and your unique situation, are our top priority.
Our agents are ready to help you find affordable, comprehensive coverage. For more information, call us at (203) 734-1601 or Contact Us today!
The Olderman & Hallihan Agency Inc.
Phone: (203) 734-1601
Fax: 203-732-0169
Address: 400 Main Street
Ansonia, CT 06401
Open Hours
Monday & Tuesday
8:30 am - 4:30 pm
Wednesday
8:30 am-12:00 pm
Thursday & Friday
8:30 am-4:30 pm
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The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.