Connecticut car insurance premiums have seen an upward spike, due to a combination of factors including rising health care costs, higher repair and construction expenses and more vehicles on the road. Now more than ever it is essential that consumers shop around for policies within their budget; our car insurance calculator is an ideal way to start that search process; using it can help determine the amount of coverage needed and compare quotes from top providers across Connecticut.
As you begin your quote search, keep in mind that your premium will depend on several rating factors – age, driving record, credit history, type of vehicle and location are just a few examples – each company weighs these differently and to help provide an idea of your specific rates consult one of the rate tables below that show average rates by rating factor.
Young drivers typically pay more for car insurance due to less experience behind the wheel. There are exceptions; minor violations like speeding tickets typically don’t increase rates too significantly in Connecticut unless they occur frequently; on the other hand, major violations such as DUI can skyrocket your rates even if this is your first offense.
Other factors affecting car insurance quotes in Connecticut include your make and model of vehicle as well as commute time. The longer your commute takes you on the road and increases the chance of an accident; to reduce this risk it’s often wiser to purchase something safe that won’t break the bank while satisfying insurance companies as well.
One factor that can have a huge effect on insurance rates in Connecticut is your credit score. Connecticut is one of only several states to use credit to calculate rates and having poor credit could indicate more likely claims being filed, thus costing you money over time. Therefore, work to raise it as much as possible as this could save money in the long run.
Connecticut’s minimum liability auto insurance requirements provide adequate protection for you and other motorists; however, full coverage policies could provide even more comprehensive protection – more so than liability-only policies alone can. While full-coverage policies tend to cost more, their added features such as collision and comprehensive cover could make the investment worthwhile if your car is involved in an accident or stolen.
If you need assistance choosing the appropriate form of coverage, consulting a certified insurance professional may help. They can answer all of your queries regarding policies and help select those with the lowest premiums that fit into your specific requirements. Furthermore, these professionals can walk through each type of policy so you fully comprehend it all.