I can’t think of a single person who enjoys paying for car insurance, especially knowing their premiums are through the roof. Drivers have so many car insurance companies to pick from, and though it is a good thing to have a choice, it can be more challenging to compare rates and cut insurance costs.
Reducing your insurance rates isn’t really that difficult. You just have to take a few minutes comparing price quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.
The most efficient way to find low rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions to each individual car insurance company. One form submission gets you price quotes from car insurance companies with the best prices.
A more time consuming way to analyze rates requires visiting each company’s website and fill out their own quote form. For examples sake, we’ll pretend you want comparison quotes from State Farm, Allstate and Liberty Mutual. You would have to visit each site and enter your policy data, which is why most consumers use the first method.
For a list of links to companies insuring cars in Darien, click here.
However you get your quotes, compare identical coverage information on every quote. If you are comparing different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best in Darien.
Consumers in Connecticut constantly see and hear ads for cheaper car insurance from companies such as State Farm and Allstate. All the companies make an identical promise that you can save after switching your policy.
How can each company claim to save you money? This is how they do it.
Insurance companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a desirable insured could be over the age of 40, a clean driving record, and has excellent credit. A customer who meets those qualifications will get the preferred rates and most likely will save when they switch companies.
Potential insureds who don’t measure up to the “perfect” profile will have to pay higher prices and ends up with business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the way they do. Because of the profiling, drivers should quote coverage with many companies. It’s not possible to predict which company will have the lowest rates.
It’s important that you understand the different types of things that help determine car insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with big savings.
Car insurance companies do not list all their discounts in a way that’s easy to find, so we researched both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.
Drivers should understand that some credits don’t apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.
To see a list of insurance companies with the best car insurance discounts in Darien, click here.
When it comes to buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if your situation could use an agent’s help.
If you don’t know the answers to these questions but one or more may apply to you, you might consider 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 can help protect your family.
The cheapest car insurance can be bought from both online companies and with local Darien insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. In many instances, an insured cut full coverage only to discover later that it was a big mistake. Your strategy should be to buy enough coverage at a price you can afford.
Even more information is available at the Connecticut Insurance Department website. Connecticut drivers can find a variety of consumer forms, report car insurance fraud, learn about insurance regulations, and read industry bulletins.