You can reduce your Connecticut auto insurance premium. Although rates in the state are fairly high, there are many available discounts and methods that can help lower the amount you pay. Each insurer offers unique discounts and we’ll find them for you. W e will also provide expert guidance regarding which coverages are the most cost-effective for the vehicles you drive.
Econnecticutinsurance.com is committed to providing the lowest available prices anywhere. We update this website daily to ensure the quotes are accurate and that you are receiving all available discounts from Connecticut insurance companies. You can review specific carrier information here. By viewing your free quote at the top of the page, you’ll be able to quickly compare rates. We are also constantly adding articles and premium information that is provided by the carriers.
One of the most effective methods to reduce costs is to compare rates from other companies at least once every five years. Car insurance costs can often change quickly and significantly, so allowing us to do the shopping for you, will allow you to view the possible savings from changing companies. And by insuring your auto and homeowner’s coverage with the same carrier, you will save additional dollars. Often, the reduction is as much as 20%-25%.
A few carriers will allow your children to keep all of the discounts you have accumulated over the years, as long as they remain in your household. Of course, try telling a 25-year old that you want them to live at home so they can enjoy a rate reduction!
Another popular method of reducing your premium is to take advantage of the numerous available discounts. You may not be getting, or you may not know about many of them. You can also eliminate benefits that you don’t need or are unlikely to use.
If you have extra vehicles, you may not need a substitute transportation rider. That may be costing you about $40 per year per car. Often towing is included in the basic policy. However, if you are paying for it, consider dropping the coverage if you have similar benefits through a credit card or a separate contract.
A “multi-policy” discount (mentioned earlier) will lower your rate if you insure your vehicles and home with the same carrier. The discount is generally 5%-15%, depending on the carrier. Installing anti-theft devices or alarm systems will also reduce your premium. And the latest device is the “Snapshot,” which is offered by Progressive and a few other companies. The concept is simple. A device is attached to your vehicle that monitors your habits. It could lead to a tidy savings!
And of course, the longer you drive without an at-fault accident or moving violation, the larger your “good driver” discount will grow. This also places you in a much better bargaining position if you are considering changing to a different company.
We highly recommend that you check, and if necessary, repair, your credit ratings before applying for new coverage. Most companies consider credit reports in determining what premium to charge. You can potentially reduce your rate by approximately 15% if you have superior credit ratings. A free annual credit report is available from reputable and reliable companies. If you can get that score to 700 (or improve your current score), you may be rewarded.
For additional information regarding reducing the amount you pay on your auto insurance, please call us or request a free quote. There is never any obligation and we always respect the privacy of your information.