Proven Tricks for Cheap Southbury, CT Auto Insurance

Have you fallen victim to overpriced auto insurance? Trust us, there are lots of people in the same boat. There are many insurance companies to choose from, and although it’s nice to be able to choose, so many choices can make it hard to get the best deal.

You should take the time to compare prices at least once a year because rates fluctuate regularly. Just because you had the lowest price two years ago there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to find great coverage at a great price.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

  • Don’t buy coverages you don’t need – There are a lot of additional coverages that can waste your money if you aren’t careful. Coverages for personal injury protection, accident forgiveness and membership fees are some examples. They may seem good at first, but your needs may have changed so eliminate them to save money.
  • What type of vehicle do you drive? – The make and model of the vehicle you own makes a significant difference in the rate you pay. Economy passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
  • Do you qualify for a multi-policy discount? – Most insurers will award you with lower prices to people who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to compare other company rates to verify if the discount is saving money.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.

How to Compare Auto Insurance Costs in Southbury, CT

Shopping for lower auto insurance rates can take hours if you don’t understand the fastest way to get free quotes. You can spend countless hours talking about coverages with agents in Southbury, or you can stay home and use the internet to get rates in a matter of minutes.

Most car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do quote forms to each company. To submit your quote information now, click here to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies you want to price. If you wish to select individual companies for rate comparison, we have a listing of low cost auto insurance companies in Connecticut. Click here to view list.

However you get your quotes, be sure to compare the exact same deductibles and coverage limits for each comparison quote. If each company quotes differing limits it’s not possible to decipher which rate is best in Southbury.

Can switching companies really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim of big savings after switching your coverage to them.

How does each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured could possibly be between 30 and 50, has no tickets, and has excellent credit. Any new insured who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Drivers who are not a match for this ideal profile will be quoted more money which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save that much money. That’s the way companies can state the savings.

This emphasizes why drivers should quote coverage with many companies. Because you never know which auto insurance company will have the lowest rates.Southbury insurance quotes

Be sure to get all your discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but some must be specially asked for in order for you to get them. If you don’t get every credit available, you are throwing money away.

  • No Claims – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Discount for Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break when shopping for auto insurance.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

Price shop online but buy from a local Southbury agent

Some people would rather buy from a local agent and that is a personal choice. Insurance agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to. Supporting local agencies is important especially in Southbury.

To help locate an agent, after submitting this short form, your insurance data is transmitted to participating agents in Southbury who will return price quotes for your insurance coverage. There is no need to leave your computer as quotes are delivered immediately to your email address. It doesn’t get any easier!

Choose an insurance agent wisely

When finding local Southbury agents, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents can either be captive or independent (non-captive). Both write coverage properly, but it’s good to learn how they differ since it may influence buying decisions.

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.

When comparison shopping, we recommend you contact at least one independent agent to get the best comparison.

Listed below are Southbury independent insurance agents who may be able to give you rate quotes.

Tegeler Insurance – 77 Main St N – Southbury, CT 06488 – (203) 264-8947
Tegeler Insurance – 201 Playhouse Cor – Southbury, CT 06488 – (203) 264-9197

Captive Insurance Agents

These agents are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents are trained well on their company’s products which can be an advantage.

Below is a list of captive insurance agents in Southbury that are able to give price quote information.

State Farm Insurance – 385 Main St S # 1 – Southbury, CT 06488 – (203) 267-3270
Allstate Insurance – 519 Heritage Vlg # 1d – Southbury, CT 06488 – (203) 264-9481

For a full directory of captive insurance agencies in Southbury, view this link.

Connecticut insurance cheap

Selecting a car insurance agent requires more thought than just the price. Any agent should be forthright in answering these questions:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • If you have an accident, will your rates go up?
  • Do they regularly work with personal auto policies?
  • Are there any discounts that you might be missing?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Upon receiving satisfactory answers in addition to an acceptable price estimate, you’ve probably found an insurance agent that will properly insure your vehicles.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need higher deductibles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • At what point should I drop full coverage?
  • Do I need added coverage for expensive stereo equipment?
  • When would I need rental car insurance?
  • When would I need additional glass coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Additional information is located on the website for the Connecticut Insurance Department through this link. Consumers can read industry bulletins, read consumer alerts, find a variety of consumer forms, and read state legal mandates and laws.

And the best car insurance company is…

Affordable auto insurance is attainable online and also from your neighborhood Southbury agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.

In this article, we covered a lot of ways to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.