Auto

Personal Injury Protection

Personal Injury Coverage CT

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

Personal Injury Protection – commonly called PIP – provides payment in the event that an insured person, or another covered individual suffers bodily injury in a covered accident. P I P usually covers a broader range of medical costs than standard medical payment coverage, and may even include compensation for lost wages or the replacement of services provided by someone injured in a covered accident.

Availability varies by state, so ask your agent or medical claim specialist if P I P coverage is included in your policy.

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Doctor with arms crossed

Medical Payments

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

Customized Equipment

Covers costs of custom parts such as wheels if damaged.
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Car with tires stripped and on curb

New Car Replacement

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

Rideshare

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

New Car Replacement Coverage

This coverage covers the cost to replace the same make and model of your damaged car.
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Car in desert

Personal Umbrella

This coverage will help protect your assets from lawsuits.
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Car with damage on bumper

Accident Forgiveness

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

Collision

Type of insurance covering collision with other vehicles, objects, and animals.
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Tow truck with car loaded on

Towing and Roadside Service

Covers costs of towing, also providing 24/7 roadside assistance for disabled vehicles.
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Car bodies on manufactering line.

Original Equipment Manufacturer (OEM)

Coverage available on cars up to 10 years old.
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Rental Car Reimbursement CT

Rental Car Reimbursement

Covers cost of rental cars for 30 days while yours is repaired.
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Blue Car on road

Auto Liability

Covering the costs of damage to others and their property.
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Stack of Tires

Spare Parts Coverage

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

Loss Of Use

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

Glass Deductible Buyback

Covers cost of damaged windshields, glass repair, and replacement.
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Red Truck in snow

Comprehensive

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

Full Windshield and Glass Coverage

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

Uninsured

Covers losses by an uninsured driver.
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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.

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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.
Hannah Smith
Hannah is fully licensed in property and casualty insurance and is happy to run quotes, book policies, or answer any questions one might have.

Meet our Clients

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

"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!”

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."

"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!"

"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!"

"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!"

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

"Trustworthy agent who really cares about his business."