Have you fallen victim to an overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat. Lots of insurers contend for your hard-earned dollar, so it can be very hard to choose a provider to get the cheapest price
It is always a good idea to compare prices every six months because rates are constantly changing. Even if you think you had the lowest price six months ago the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about auto insurance because I’m going to teach you one of the best ways to lower your annual insurance bill.
Finding a better price on auto insurance is not rocket science. Drivers just need to take the time comparing price quotes provided by online insurance companies. This can be accomplished using a couple different methods.
For a list of links to insurance companies in Meriden, click here.
However you get your quotes, make darn sure you compare the exact same deductibles and coverage limits for every company. If you use different liability limits you will not be able to find the best deal in Meriden.
Companies that sell car insurance don’t always list every discount very clearly, so we break down some of the best known and the more hidden auto insurance savings. If you’re not getting every credit you deserve, you are throwing money away.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.
A small number of people would prefer to buy from a local agent and there is nothing wrong with that. Insurance agents can answer important questions and give you peace of mind. The best thing about comparing insurance prices online is you may find lower rates but still work with a licensed agent.
For easy comparison, once you complete this quick form, your insurance coverage information is sent to participating agents in Meriden who will battle to get your business. There is no need to drive around due to the fact that quote results will go to the email address you provide. How cool is that?!
Picking a company shouldn’t rely on just the premium amount. Agents should be asked these questions:
If you’re trying to find a reliable agent, there are a couple of types of insurance agents from which to choose. Meriden agents are either independent (non-captive) or captive. While both can insure your vehicles, but it’s good to learn how they differ because it can influence the selection process.
This type of agents write business for a single company and some examples include AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to place coverage with different providers so always compare other rates. They are very knowledgeable on their company’s products and that can be a competitive advantage.
Below are Meriden captive agencies who may provide you with rate quotes.
Allstate Insurance – 862 E Main St – Meriden, CT 06450 – (203) 238-4200
Independent insurance agents do not work for one specific company so they can insure your vehicles amongst many companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing rates, we recommend you include at a minimum one independent agency for the best price selection.
Listed below are independent agents in Meriden that can give you comparison quotes.
James F Canning Agency and Assoc – 1237 E Main St – Meriden, CT 06450 – (203) 634-4082
Edward Zavaski Agency LLC – 8 W Main St – Meriden, CT 06451 – (203) 237-2888
Bruce Insurance Assoc – 35 Pleasant St – Meriden, CT 06450 – (203) 634-7744
Stone Insurance Inc – 88 State St – Meriden, CT 06450 – (203) 238-7400
For a full directory of Meriden insurance agents, visit this site.
After receiving reasonable responses to these questions and locked in a price quote, you’ve probably found an auto insurance agent that can properly service your auto insurance policy.
When buying the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions may help you determine if you might need an agent’s assistance.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
More tips and info about auto insurance is available at the Connecticut Insurance Department website. Connecticut consumers can get help finding coverage, learn about specific coverages, discover disciplinary actions, and download brochures.
Consumers can’t ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. All the companies make an identical promise that you can save if you change your policy.
But how can every company make the same claim? It’s all in the numbers.
Different companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a driver they prefer might be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile will get the preferred rates and therefore will save when they switch companies.
Potential insureds who are not a match for the “perfect” profile will have to pay higher prices which leads to business not being written. The ads state “customers that switch” not “everyone that quotes” save that much money. That’s why companies can claim big savings. Because of the profiling, drivers should get as many comparisons as possible. You cannot predict which auto insurance company will give you the biggest savings.
Discount auto insurance can be purchased on the web as well as from independent agents in Meriden, so compare prices from both so you have a total pricing picture. Some auto insurance companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.