Buying cheap car insurance in Connecticut is possible through our website. Regardless if you have one vehicle or may vehicles, own your home or rent an apartment, have a spotless Connecticut driving record or have many tickets and accidents on your record, we’ll help you find the cheapest car insurance rates in the state.
But you are going to have to stay within the “rules.” And perhaps the most important concern is meeting the state minimum liability requirement. Each state is different, and currently, Connecticut requires $20,000 per person, $40,000 per accident and additional $10,000 of property damage. Uninsured/Underinsured protection $20,000/$40,000 is also required.
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 seem to consistently offer attractive premiums are Geico and Progressive. Both companies offer many low cost policies with flexible billing options.
A few 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 Connecticut car insurance rates. 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.
Cheap rates don’t always have to mean cheap 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.
Requesting an “annual” policy instead of a “six month” policy may save you money with selected Connecticut car insurance companies. Although this won’t likely provide any billing discounts, it may prolong a rate 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.
Sometimes, you have to wait to get the cheapest 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.
However, 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 cheap Connecticut car insurance dramatically increases. It now becomes one of your best opportunities to compare prices and coverage and possibly save quite a bit of money.
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 car insurance quotes.
The cheapest auto insurance rates in Connecticut will 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.