Buying and finding cheap car insurance in Connecticut is possible through our website.We save you money by shopping all of the top-rated companies, comparing their best prices, and presenting the best options to you. We realize that each household has unique needs and the type of vehicle you own or how many tickets you have, will vary. It’s also possible your prior policy may have lapsed and you are no longer covered.
Regardless if you have one vehicle or eight vehicles, own your home or rent an apartment, have a spotless Connecticut driving record or have multiple tickets and accidents on your record, we’ll help you find the lowest prices in the state. Since rates constantly change, we regularly research the major carriers so your quotes are always accurate and include any recent premium reductions. Often, premiums are as low as $30-$40 per month.
Legal CT Requirements
But you are going to have to stay legal. And perhaps the most important concern is meeting the state minimum liability requirement. Each state is different, and currently, CT requires $20,000 per person, $40,000 per accident and additional $10,000 of property damage. Uninsured/Underinsured protection of $20,000/$40,000 is also required. Of course, you can always elect higher amounts, especially if you have at least three drivers in the household.
Underinsured “conversion” coverage is an optional benefit that should be considered. If your damages and injuries are more than the at-fault driver’s coverage, you can recover that amount. Often, this amount is quite significant. Another optional benefit is a medical payments recovery rider that can pay medical expenses and several related items. The cost is very inexpensive and many levels of benefits are typically offered.
If you are willing to drive with these low limits, then there are many large reputable companies that may offer very affordable rates. Two of the major carriers that consistently offer attractive premiums are Geico and Progressive. Both companies have many low cost policies with flexible billing options. NOTE: The Department of Insurance frequently publishes reports that detail prices in specific areas. Upon request, we can forward information that is specific to your area.
Financed Or Leased Vehicles
If your vehicle is financed, higher deductibles will help. Increasing your coverage to $50,000/$100,000 may not significantly increase the premium. On both leased and financed cars (and trucks), you will likely be required to have both collision and comprehensive coverage. Although $250 options are often available, a maximum of $1,000 may be the limit until you outright own the vehicle.
Many leasing companies also require higher bodily injury/property damage limits than financed vehicles. For example, often the minimum acceptable coverage is $100,000 per person and $300,000 per occurrence. Occasionally, that limit is increased to $250,000 per person and $500,000 per occurrence. However, if you purchase the vehicle after the lease period has ended, you can adjust the minimum limits downward.
NOTE: You can visit a BMV location near to you and pick up a free brochure that details requirements, and any recent changes that may impact you or your family. Of course, you can also obtain many helpful brochures regarding obtaining a license and other related topics. Although leasing and financing companies are not rated or recommended, there will be some helpful tips and explanations regarding your liability limits.
Free Quote In Less Than One Minute
Several other carriers that offer competitive rates include Esurance, Allstate, Travelers, Nationwide and State Farm. We have created the “Quote” section at the top of this page so you can provide basic information to eventually compare premiums. After viewing rate differences from a few different companies, you’ll be in the driver’s seat regarding buying a new policy or keeping your existing coverage.
TIP: Even if you are able to save hundreds (or thousands) of dollars by changing to a new policy, do not terminate existing coverage until the new policy is underwritten, approved and you have received your new declarations page. After verifying your liability limits, deductibles and rate are correct, it’s the ideal time to contact your current carrier and cancel the policy. Requesting a future effective date will give you more time and flexibility.
Low rates don’t always have to mean giving up coverage. Many of the previously mentioned companies offer higher liability limits without substantially increasing the premium. Of course, you won’t be able to carry a million dollars of liability coverage without a fairly high increase, but raising your bodily injury limits to $25,000/$50,000 shouldn’t put too heavy of a dent in the amount you pay.
Every five years, you should review your existing limits and appropriately update. At some point, $100,000/$300,000 coverage should be standard on all of your vehicles.
Requesting an “annual” policy instead of a “six month” policy may save you money with selected companies. Although this won’t likely provide any billing discounts, it may prolong a premium increase if one is scheduled during the second six months of your policy. Of course, after the second six months of coverage, all past and current increases will be applied.
The Wait Is Worth It
Sometimes, you just have to wait to get the lowest car insurance rates. Why? For example, if you currently have a ticket (or two) or an at-fault accident on your driving record, it’s likely that you are not receiving the lowest available premiums from your existing carrier. While it still is smart to get a few quotes from other companies, you may have to keep your existing policy for a while. But it’s always advisable to keep checking every 12 months since your offers may change.
As the tickets and accidents become older and of course, expunged from your driving record, now you’re in the “driver’s seat” (no pun intended!) and the chances of finding better offers dramatically increases. It now becomes one of your best opportunities to compare prices and coverage and possibly save quite a bit of money.
Your Credit Counts
During this process, it’s just as important to improve your credit rating. The first step is to request a copy of your credit report from the three largest reporting agencies, review the results, and take action to improve your score. The combination of having your accidents and tickets age, along with some improvement in your credit score, could easily put hundreds, or even thousands of dollars of premium back into your pocket and reduce your cost.
If you have filed for bankruptcy within the last seven years, naturally, it will be impossible to earn a “good-credit” discount. However, there are several companies that do not consider credit as one of their major underwriting guidelines. In these situations, we concentrate on these specific carriers, and attempt to secure the best offers.
And typically, as you get older and gain driving experience, you’ll qualify for more discounts. We all know teen rates in Connecticut can be quite high. But once you get past those challenging times (I should know. We have two teen drivers in our household), there’s no reason why your premiums can’t stay fairly level as your cars depreciate.
Situations do change. For example, State Farm might offer the lowest rates in your area, but several months later, Allstate or Progressive might have re-priced their policies and are now offering the best deals. When you complete the “Free Quote” section at the top of the page, shortly, we’ll provide the most competitive options for your vehicles and explain how easy it is to apply for a policy.
December 2014 – There may be a lot of new inexperienced drivers on the road over the next few months. More than 2,500 undocumented residents of the state per day are taking their driver’s license exams. The Division of Motor Vehicles is closely monitoring sign-ups and ensuring that wait times are not significantly increasing for others.
The high number of newly-issued learners permits will significantly increase the number of inexperienced drivers on the road. Although many people feel the roads will be safer since these new licensees will purchase auto insurance, other state representatives point out that illegal residents are not necessarily compelled to purchase coverage. Ironically, you do not have to show proof of citizenship to buy a policy.
January 2015 – Beware of Winter driving in New Haven! In a recent published poll from C-Insurance, New Haven was listed s the 9th most dangerous US city for winter driving. Nearby Massachusetts cities Boston and Springfield were ranked 1st and 3rd respectively.
When rain, snow, and sleet are in the air, typically, in many Northeastern states, the incidence of accidents doubles compared to other areas of the country. Most of the cities in the Top-10 were located in the East. Most of the “safest” cities were located in the Midwest and West. Brownsville, Texas and Fort Collins, Colorado were ranked as the two least hazardous cities.
May 2015 – Change is coming to the new law that requires drivers to turn their headlights on any time it is raining. This week, an amendment was approved that will waive a surcharge on the violator’s car insurance rates. Previously, the minor infraction resulted in a possible premium increase.
The current $5 cost for the violation still stands although it appears that many police officers are not actively enforcing the law or pursuing drivers who drive in the rain with their headlights off.