Car insurance rates vary dramatically across carriers and drivers in Connecticut. A variety of factors impact these premiums, including location, driving history, age and credit score. Other variables that could skew your premium include vehicle type, parking spot location and any extra safety features available on it – when shopping around for policies make sure to consider all available options carefully and only purchase coverage that fits into your plan needs.
To reduce costs and protect yourself against future repairs, it may be more cost-effective to invest in comprehensive and collision coverage instead of only basic liability. Drivers commuting long distances should consider adding roadside assistance as an additional protection measure. When shopping for new car, consider its value, expected maintenance costs, as this will influence insurance premiums as well.
There are various ways you can save on auto insurance in Connecticut. Achieving good credit will lead to significant discounts as carriers view this demographic as less risky than others to insure. Furthermore, consider selecting a car with lower repair and replacement costs or bundling multiple policies together for discounts – there may also be options that qualify you for discounts!
Additionally, you can save by avoiding high-risk activities like DUI or traffic violations that accumulate too frequently on your record. The more at-fault accidents and tickets on your record, the higher your insurance rates are likely to rise come renewal time.
One major factor that impacts car insurance costs in Connecticut is your coverage level. State minimum requirements call for bodily injury liability of up to $20000 per person and property damage liability up to $25000 per accident; but even without an at-risk driving record it may be wise to purchase more than the minimum required limits as even minor collisions can cause damages that exceed these minimum liability limits.
If you want to save money on car insurance premiums, try increasing the deductible for comprehensive and collision coverage as well as decreasing limits where necessary – this could save up to 25% or more of premium costs!
Shopping around for car insurance quotes in Connecticut can also save you money, with Travelers, GEICO and Progressive offering some of the lowest average Connecticut car insurance rates. They all provide competitive rates to drivers with stellar credit histories while Travelers offers discounted premiums for those with DUI records.
Connecticut boasts hundreds of licensed car insurance companies, all boasting solid reputations and low complaint ratios; you should choose those that treat their customers fairly and adhere to promises made.