New Car Replacement Coverage

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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Comprehensive

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

Personal Injury Protection

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

Auto Liability

Covering the costs of damage to others and their property.

Rideshare

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

New Car Replacement

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

Personal Umbrella

This coverage will help protect your assets from lawsuits.

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.

Uninsured

Covers losses by an uninsured driver.

Full Windshield and Glass Coverage

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

Loss Of Use

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

Customized Equipment

Covers costs of custom parts such as wheels if damaged.

Spare Parts Coverage

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

Original Equipment Manufacturer (OEM)

Coverage available on cars up to 10 years old.

Towing and Roadside Service

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

Rental Car Reimbursement

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

Medical Payments

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

Get a Free Quote

Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

murgo@mikeurgo.com

860-415-6240

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Our Team

Mike Urgo

A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.

Lynn Belanger

Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.

Kristin Wenzloff

Kristin Wenzloff is a 6-year veteran of Farmers Insurance. Kristin is very familiar with all of our central Connecticut customers and is happy to help all of our clientele at any time.

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!"

Jessica Patterson-Kibbe - ⭐⭐⭐⭐⭐

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 - ⭐⭐⭐⭐⭐