Finding affordable car insurance in Connecticut involves several key considerations. Your type of vehicle, age and credit score all play a part in your premiums – as does living in densely populated areas with higher traffic counts and theft rates, where premiums could become significantly more costly.
Connecticut’s Most Common Vehicles
Connecticut residents often opt for reliable vehicles like Honda CR-Vs, Toyota Corollas, Chevrolet Cruzes and Ford Fusions as their go-to car models. Their low insurance costs make them especially desirable options.
Commuting Time and Mileage Its Your commute can have an effect on your insurance rates; those traveling longer distances or living in areas with more traffic may receive higher insurance quotes.
Drivers with poor credit and expensive cars tend to pay higher car insurance premiums due to increased likelihood of filing claims or being late with payments, creating more of a risk factor for insurers.
MoneyGeek research indicates that adding a teenager to your policy in Connecticut will dramatically raise premiums, according to its analysis of MoneyGeek data. Teenagers are considered riskier drivers as they typically have less experience and are more accident prone than older drivers; typically paying up to three times more.
Your Credit Score
Drivers with poor credit are likely to pay roughly two times more for Connecticut car insurance than drivers with excellent ratings, due to being twice as likely to crash than their peers who possess better ratings.
Expensive Car Models A more expensive car model can increase your insurance costs in Connecticut up to 2.4x when compared with someone with a cheaper vehicle model, due to higher repair costs and increased likelihood of theft or inflicted damage during an accident.
Save on Connecticut car insurance premiums by opting for full coverage policies that include collision and comprehensive protection as well as liability protection. While full coverage policies tend to be more costly than liability-only ones, they offer your vehicle and assets protection from accidents that could prove expensive to repair or replace.
State Farm Offers the Cheapest Full Coverage Policies in Connecticut In Connecticut, State Farm offers the most cost-effective full coverage rates – you could potentially save as much as $967 annually when selecting this provider.
Not every driver will find this company ideal. Before making a final decision, it’s advisable to research alternative providers.
At top-rated companies, many discounts can help lower premiums. These may include safe driver discounts, multiple vehicle discounts, student, senior and homeowner discounts.
The key to finding an insurance policy that meets both your needs and budget is gathering quotes from different providers and comparing them side-by-side. This will enable you to find a perfect policy.