Does full coverage replace your car?

New car replacement insurance gives you money for a brand new car of the same make and model (minus your deductible) instead of the depreciated value of your totaled car if your vehicle gets totaled.

For example, let’s say you purchased a new car for $40,000 and bought new car replacement insurance. After several months, the value of the car has depreciated to $36,000 and you get into an accident, totaling the car. With new car replacement insurance, your insurance company would reimburse you for a new model of the same vehicle, not just $36,000.

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Auto Liability

Covering the costs of damage to others and their property.

Medical Payments

Covers medical costs for passengers who have been injured in an accident, no matter who is at fault.

Collision

Type of insurance covering collision with other vehicles, objects, and animals.

Accident Forgiveness

Coverage for this keeps your premium from going up. In addition, Farmers forgives one at-fault accid

Glass Deductible Buyback

Covers cost of damaged windshields, glass repair, and replacement.

Full Windshield and Glass Coverage

This coverage offers a $0 deductible on glass repair, paying nothing out of pocket.

Comprehensive

Covering damage to car besides collision, such as hail or theft.

Uninsured

Covers losses by an uninsured driver.

Rental Car Reimbursement

Covers cost of rental cars for 30 days while yours is repaired.

Loss Of Use

A flat sum given to cover the cost of transportation while your car is being repaired. It can be use

Personal Injury Protection

Helps you cover cost of medical rehabilitation no matter who’s at fault.

Towing and Roadside Service

Covers costs of towing, also providing 24/7 roadside assistance for disabled vehicles.

Customized Equipment

Covers costs of custom parts such as wheels if damaged.

Original Equipment Manufacturer (OEM)

Coverage available on cars up to 10 years old.

Personal Umbrella

This coverage will help protect your assets from lawsuits.

Spare Parts Coverage

Policy covers costs of spare parts that were used because of damage.

New Car Replacement

This coverage option gives you an agreed-upon sum for a car that is a total loss.

Rideshare

Protects drivers who work for rideshare companies such as Uber and Lyft.

Our Team

When you contact Urgo Agency, you have a local team ready to help. Mike, Lynn, and Kristin can each assist with your insurance questions and needs.

Mike Urgo | Agency Owner

A Rhode Island native and longtime Connecticut resident, Mike is the owner of Urgo Agency and believes insurance should be personal, straightforward, and focused on helping clients make good decisions. He works with individuals, families, and businesses to understand their needs and find the right coverage for them. Outside the office, Mike enjoys spending time with his wife, Jen, and their children, Michael and Abby.

Lynn Belanger | Senior Insurance Agent

Lynn is a Senior Insurance Agent and a trusted resource for Urgo Agency clients, helping with everything from quotes and coverage questions to everyday policy needs. She is fully licensed in Connecticut Property and Casualty Insurance and is always happy to help clients understand their options. Lynn and her husband, Dave, have two children, Jackson and Lacey.

Kristin Wenzloff | Senior Insurance Agent

Kristin is a Senior Insurance Agent and a key member of the Urgo Agency team, helping clients with quotes, coverage questions, policy needs, and whatever else comes up along the way. She knows our customers well and takes pride in providing friendly, responsive service. Kristin and her husband, Kyle, have four children, Aria, Summer, Savannah, and Killian.

Meet our Clients

Don't just listen to us; hear what a few of our customers had to say about their experience with Farmers.

Leave a Review ⭐

"Exceptional customer service. Called me back the next day with a quote. Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage. Highly recommended."

Kara Crismale - ⭐⭐⭐⭐⭐

Attorney | Faulkner & Graves, PC

“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs. Thank you for a great experience!”

Samantha LaCouture - ⭐⭐⭐⭐⭐

Owner | Shake It Up, LLC

"This has been the best insurance experience we have ever had. You call the office and you get an actual person who knows who you are and actually cares about your problem and helps you right away. No more long wait times and press 1 for service. I can not recommend them enough."

Gretchen Foley - ⭐⭐⭐⭐⭐

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

Carrie Roseman - ⭐⭐⭐⭐⭐

"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"

Pete Hunt - ⭐⭐⭐⭐⭐

"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

Jonathan Denson - ⭐⭐⭐⭐⭐

"Trustworthy agent who really cares about his business."

Yona Gregory - ⭐⭐⭐⭐⭐

New Car Replacement Coverage