Is Your Danbury Connecticut Car Insurance Too High? Learn How to Lower Your Rates

Have you fallen victim to an overpriced car insurance policy? Believe me, many Danbury consumers feel financially strained by their car insurance policy.

With consumers having so many choices, it is very difficult to locate the most affordable insurer.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for before you will receive the discount.

• Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
• Homeowners Pay Less – Owning a home in Danbury can save you money because maintaining a house requires personal responsibility.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
• Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
• No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.
• Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
• One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce your overall premium however.

To see a list of insurers with discount car insurance rates in Connecticut, follow this link.

More consumer information in Connecticut

Much more information about car insurance in Connecticut is available on the website for the Connecticut Insurance Department through this link. Connecticut consumers can view a list of available companies, report car insurance fraud, and learn about specific coverages.

Additional helpful sites include this page for car insurance in Connecticut and this page for help finding agents in Danbury, CT.

Quote often and quote early

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

In this article, we presented many tips how you can compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from the smaller companies. These companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Lower-priced car insurance can be purchased online and with local Danbury insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.