Car Insurance Calculator in Connecticut Its Connecticut residents typically spend about $1,750 annually or approximately $14 per month for car insurance coverage, which is well above the national average of $1,682. Many factors affect how much you will pay; these include what type and amount of coverage is being purchased as well as your driving history and credit score.
Connecticut auto insurance coverage is essential, not only as required by law but also as an extra layer of protection in case of accidents and thefts. Proper coverage can cover repairs or medical costs. Furthermore, many insurers in Connecticut provide discounted rates to AARP members such as The Hartford’s Snapshot program that tailors premiums based on driving behavior patterns.
Connecticut is a fault-based state, so if you cause an accident, you are legally obligated to cover damages and injuries caused. That’s why having at least $25,000 per person and $50,000 total in bodily injury liability coverage is recommended, while having uninsured motorist coverage protects expenses in case an accident involves drivers who do not carry car insurance policies.
Experts also suggest purchasing full car insurance coverage, including collision and comprehensive policies. This will cover damages caused by accidents as well as incidents beyond your control – for instance a tree falling onto it or someone stealing it – although purchasing this may cost more upfront but could save money over time by protecting assets.
As well as your age, gender and driving record, your credit score and type/year of vehicle also play a part in determining car insurance premiums. A good credit score can help qualify you for lower premiums while having an older car which is less likely to be stolen or damaged can lower them too.
There are various strategies you can employ to bring down your premiums, including prepaying in full, increasing deductibles or purchasing an older car. Comparing multiple quotes will also help ensure you find the most cost-effective coverage solution. As a final precaution, always report an accident or any damage to your car within five days. Failure to do so could result in fines or legal action being taken against you; reporting incidents directly with the police can be quick and painless. NerdWallet’s guide to car insurance in Connecticut contains in-depth details about state requirements and recommended coverage levels, plus its comparison tool allows users to see rates from top insurers within the state. Best of all, using NerdWallet is free and only takes minutes to set up!