Is Your East Haven Car Insurance Too High? Here is How to Save Money

Have you fallen victim to an overpriced car insurance policy? Trust us, there are many people just like you. Drivers have multiple auto insurance companies to buy insurance from, and even though it’s nice to have a selection, it can be more challenging to compare rates and find the lowest cost car insurance.

It’s smart to check car insurance prices every six months since insurance rates are usually higher with each renewal. If you had the best rates a few years ago you may be paying too much now. So forget all the misinformation about car insurance because it’s time to teach you the proper way to properly buy coverages and cut your premium.

The purpose of this post is to help you learn how car insurance quotes work and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using this information. Connecticut consumers only need an understanding of the proper way to get comparison rates online.

Which Car Insurance is Cheapest in East Haven, CT?

All major car insurance companies give coverage price quotes online. Getting online quotes is fairly simple as you simply enter your coverage preferences as requested by the quote form. When the form is submitted, the system collects reports for credit and driving violations and quotes a price based on many factors. Online price quotes helps simplify price comparisons, but the work required to visit several different sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

The preferred way to find cheaper rates uses one form that obtains quotes from several different companies. It saves time, requires much less work on your part, and makes online quotes a lot less work. After your information is entered, it gets priced with multiple companies and you can pick your choice of the quote results.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process can be completed in less than 10 minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you input the limits and deductibles identical to your current policy. This guarantees you’re receiving a fair comparison using the exact same coverages.

Discounts can save BIG

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but some must be specially asked for before you will receive the discount. If you’re not getting every credit you deserve, you are throwing money away.

  • Military Rewards – Having a family member in the military can result in better rates.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • 55 and Retired – Older drivers may be able to get a discount up to 10%.
  • Homeowners Savings – Simply owning a home can help you save on car insurance because owning a home demonstrates responsibility.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% with a few car insurance companies.

Keep in mind that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.East Haven CT insurance comparisons

For a list of companies with the best car insurance discounts in Connecticut, click this link.

You have some control over your rates

Consumers need to have an understanding of the different types of things that help determine car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

The following are a few of the “ingredients” used by your company to calculate prices.

  • Where you live – Residing in a rural area has it’s advantages when it comes to car insurance. City drivers have to deal with congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
  • Drive a safer car and pay less – Cars with high safety ratings get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a quick way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance can result in a steep fine or even jail time.
  • Liability coverage is peace of mind – The liability section of your policy is the protection when a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Men and women have accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.

Quote online but work with a neighborhood agent

Some consumers would prefer to buy from a local agent and there is nothing wrong with that. Professional agents can help determine the best coverages and give you peace of mind. One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to. And supporting local agencies is important especially in East Haven.

Once you complete this quick form, the coverage information is immediately sent to companies in East Haven who will battle to get your business. You won’t need to drive around due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!

If you prefer to contact a specific insurance agent in East Haven, visit this link.

Selecting an provider requires more thought than just a low price. Any agent should have no problem answering these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • If you have an accident, will your rates go up?
  • How long have they worked with personal auto insurance coverage?
  • Which members of your family are coverage by the policy?
  • Is the agency involved in supporting local community causes?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they feel the quoted coverages are adequate?
  • What is the agency’s Better Business Bureau rating?

Upon getting reasonable responses to any questions you have as well as a affordable price, you may have just found a company that meets your needs to properly service your car insurance policy.

Different people need different coverages

When it comes to choosing the best car insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether you would benefit from professional advice.

East Haven CT insurance comparisons

  • Am I covered if I drive in a foreign country?
  • When should my teen driver be added to my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • What vehicles should carry emergency assistance coverage?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Do I need PIP coverage since I have good health insurance?
  • Is my vehicle covered for smoke damage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Much more information about car insurance in Connecticut can be found on the website for the Connecticut Insurance Department found here. Visitors are able to get help finding coverage, view a list of available companies, learn about insurance regulations, and find disaster information.

Keep this in mind

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

In this article, we presented many ideas to compare car insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with the smaller companies. Regional companies often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.