Posts Tagged ‘Connecticut Auto Insurance’

Connecticut Auto Insurance Rates 2011

Saturday, May 7th, 2011

The average cost of Connecticut auto insurance in 2011 was $1,828. This rate is significantly higher than the national average, which is $1,440. Since CT is a relatively expensive state to insure a vehicle, drivers should make sure they are doing all they can to keep coverage costs down.

One way to avoid overpaying for auto insurance coverage is to compare rates from different providers. Each company sets its rates for coverage independently, and pricing for even the same type and level of protection can vary significantly. By taking the time to get quotes from different insurers, a consumer can find the coverage he or she needs at the best rate. Even policyholders who have been with the same insurance company for a number of years can benefit from this exercise. Having a long-term relationship with an insurer doesn’t mean that the driver is automatically getting the best possible rate.

Put a note on your calendar to get quotes from different companies a couple of months before the current policy is up for renewal to give yourself time to review them carefully and decide whether to switch providers. If you decide that it’s time to make a change, buy the new policy and get confirmation that it is in force before canceling the previous coverage to avoid a lapse in this important protection.

Ask whether the insurance providers you are considering offer discounts to policyholders in certain circumstances. You may be able to qualify for a price break by paying your premium in full, buying online or having low annual mileage. Good drivers can get preferred rates, too.

 

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Posted in Car Insurance Rates, Connecticut, USA |

How to Save on Connecticut Auto Insurance for Seniors

Tuesday, February 22nd, 2011

Seniors who are looking to save money on the cost of their Connecticut auto insurance coverage should evaluate their current level of coverage to make sure that it continues to meet their needs. This is a time of changes that can affect an individual’s car insurance rates, which makes it a good time to get quotes from a number of providers to make sure that the mature driver is not paying too much for his or her coverage.

A person who is either retired or semi-retired will not be spending as much time on the road as a person who is commuting back and forth to work on a daily basis. Low annual mileage can help a driver qualify for a discount on the cost of his or her coverage.

A mature individual who has a clean driving record can qualify for lower rates than a person who is either newly-licensed or has been involved in an accident or has accumulated traffic tickets. Both of these types of events can mean that a driver will be rated as a higher risk for car insurance purposes.

Before deciding whether to change Connecticut car insurance companies, a mature driver should take some time to get quotes from different providers. Going online can provide this information quickly and easily. A customer can visit individual web sites to get this information or visit a car insurance comparison site to find out how much he or she will pay for coverage.

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Posted in Connecticut, USA |

Connecticut Auto Insurance for Teens

Thursday, February 17th, 2011

Buying Connecticut auto insurance for teens can be an expensive proposition. Young drivers are required to have coverage in place, and they pay some of the highest rates of any demographic group for it. There are ways that parents of teen drivers can make sure that young people have the coverage they need without paying more than they have to.

A change in circumstances, such as a teen being old enough to get his or her license, is a good time for a parent to review his or her current coverage and to make sure that the type and level of coverage is still a good fit. The best way to arrange for coverage for a teen driver while keeping costs down is to add him or her to a parent’s insurance policy. This is a much more economical choice than buying a policy for the teen as the primary driver.

The teen driver can be added to a parent’s policy as long as he or she is living at home. When the young person moves out, he or she will have to buy a separate policy.

Teens who do well in school can qualify for discounts on the cost of their Connecticut auto insurance coverage. When a parent is looking for coverage, he or she should ask about preferred rates for students who are able to maintain a “B” average or higher to save on coverage costs.

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Posted in Connecticut, USA |

Save on Your Connecticut Car Insurance by Raising Your Deductible

Tuesday, February 15th, 2011

If you are looking for a way to save on the cost of your Connecticut car insurance coverage, one way to do so is to raise your deductible. This is the amount that a policyholder pays out of pocket before his or her insurance company will pay out on a claim.

When a policyholder agrees to take on a higher level of financial responsibility for any claims being made against the policy, the insurance company responds by offering the policyholder lower rates. The higher the policy deductible the customer chooses, the lower his or her rates will be.

Before deciding to use this method of keeping Connecticut car insurance rates down, a customer will need to consider his or her financial situation carefully. Since the deductible must be paid before the insurance company will pay out on a claim, the policyholder must take care to make sure that it is not set to a rate that is so high that it will cause financial hardship if an accident occurs.

To help a customer make a decision about whether to increase the deductible on a Connecticut car insurance policy, a customer can approach a number of companies to ask for quotes at different deductible levels. When comparing the quotes, a customer should first make sure that he or she has sorted them so that all of the ones being considered are for the same type and level of coverage.

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Posted in Car Insurance Rates, Connecticut, USA |

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