Connecticut Auto Insurance
Did you know that in 2007, Connecticut was the fifth most expensive state for automobile insurance? You may feel like you are paying too much for your CT car insurance policy, but you might not be sure what to do about it.
It’s true that you need to have car insurance if you operate a vehicle in CT. But do you need to spend a fortune on it? While some factors affecting your CT car insurance rate are out of your control, there are some things you can do to lower your car insurance rates.
One way to make sure that you are getting the best CT car insurance rate available to you is by comparing multiple car insurance quotes from top Connecticut car insurance companies. Make the insurance companies compete for your business! With our free CT car insurance quote tool located at the top of the page, you can quickly compare multiple CT car insurance quotes side by side!
What Affects Your CT Auto Insurance Rate?
- Your Age: Younger drivers are generally more expensive to insure.
- Your Gender: Female drivers typically cost less to insure.
- Your Location: Some areas are more expensive to buy insurance in than others.. For example, rural areas are usually less expensive than urban areas.
- Your Vehicle: Certain vehicles cost more to insure than others. For example, sports cars that are more likely to get stolen will be more expensive to insure.
- Your Claims History: If you have filed multiple claims with your insurance company in the past, it may cause your insurance rates to increase.
- Your Past Driving Offenses: Your past driving offenses such as running a red light, will cause your car insurance rate to increase.
- Your Credit Score: Some credit companies do look at your credit score, and consider people with low credit scores to be higher risk drivers.
While many of these factors are beyond your control, there are some things you can do to that may lower your Connecticut car insurance rate.
How Can You Lower Your CT Auto Insurance Rate?
- Complete a Safe Driver Course: Some insurance companies will give you a discount on your policy upon completion of a safe driver training course.
- Eliminate Unnecessary Coverage: You may be paying for some unnecessary coverage options that you really don’t need. Find out exactly what you are paying for and eliminate any unnecessary coverages.
- Increase Your Deductible: By increasing your car insurance deductible, you can lower your car insurance premium. Just make sure you can afford to pay the deductible in the event of an accident.
- Look for Discounts: Some car insurance companies offer discounts. See if you are eligible for any discounts that your auto insurance company offers.
- Shop Around: Even if you already have a CT car insurance policy, it is a good idea to compare quotes every six months or so from other companies. Rates can quickly change from company to company, and you want to make sure you are getting the best CT car insurance rate available to you.
Common Connecticut Car Insurance Discounts
Many car insurance companies offer their customers discounts. Some common discounts that could save you money on your CT auto insurance policy include:
- Safe Driver Discount
- Good Student Discount
- Low Mileage Discount
- Military Discount
- Multiple Policy Discount
- Anti-Theft Device Discount
- Senior Adult Discount
- Economy Car Discount
Check with your insurance company to see what discounts they offer that you may be eligible for, or start shopping around and comparing quotes with multiple insurance companies to see if you are paying too much for your CT auto insurance policy!
Connecticut Auto Insurance Minimum Requirements
Each state has a set of minimum requirements that your auto insurance policy must meet. Connecticut’s minimum car insurance requirements are as follows:
- Bodily Injury Liability per person of $20,000
- Bodily Injury Liability per accident of $40,000
- Property Damage Liability of $10,000
- Uninsured/ Underinsured Motorist Bodily Injury per person of $20,000
- Uninsured/Underinsured Motorist Bodily Injury per accident of $40,000
Top Connecticut Car Insurance Companies
When choosing a car insurance company in Connecticut, you will want to choose company that is well known and has a good reputation.
Some of the top CT car insurance companies include:
- Progressive
- The Hartford
- Geico
- Progressive
- Liberty Mutual
- Safeco
- State Farm
Compare multiple quotes from top Connecticut car insurance companies side by side with our free CT car insurance quote tool!
Connecticut Driving Safety Laws and Regulations
- Cell Phones: Drivers under age 18 may never use a cell phone of any type wile driving. Drivers over age 18 may use only a hands free cell phone while driving.
- Motorcycle Helmets: Motorcycle drivers under age 18 must wear a helmet. Motorcycle drivers over age 18 must wear a helmet if they have their permit, but are not required to do so if the have their motorcycle license.
- Seat Belts: Everyone must wear a seat belt when riding in the front seat of a vehicle regardless of age. Passengers up to sixteen years of age riding in the back seat of a vehicle are required to wear a seat belt or the appropriate safety device.
- Child Safety: Any child under age seven or weighing less than sixty pounds must be in a child safety seat. Any child under age one or weighing less than twenty pounds must be in a rear facing child safety seat.
If someone is found violation any of these safety laws or regulations fines may be imposed. Be sure to pay attention and drive safely at all times!
Start Comparing CT Auto Insurance Quotes Now!
Don’t wait any longer to make sure you are getting the best rate available to you! Start right now and compare multiple quotes from top CT car insurance companies side by side!
Our free CT car insurance quote tool located at the top of the page is quick and easy to use. Shopping for car insurance in CT has never been easier!
Get your free CT car insurance quotes now!