Tested Strategies for Cheaper Cheshire Auto Insurance

No one likes paying for auto insurance, especially knowing their premiums are through the roof. Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the cheapest price

It’s smart to shop coverage around periodically since insurance rates tend to go up over time. Just because you had the best price two years ago you can probably find a better price now. So forget all the misinformation about auto insurance because you’re about to learn the fastest way to find lower rates on auto insurance.

Take advantage of discounts

Companies offering auto insurance don’t always publicize every available discount very well, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • Homeowners Savings – Owning a house in Cheshire may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
  • One Accident Forgiven – Certain companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

Finding Auto Insurance in Cheshire, CT

Finding cheaper auto insurance prices is not rocket science. You just need to spend a little time comparing rates from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quotation requests for every auto insurance company. In just a few minutes this one form compares rates from all major companies.
  2. A slightly less efficient method to get comparison quotes consists of going to each company’s website and complete a new quote form. For sake of this example, let’s say you want to compare rates from Farmers, Allstate and Liberty Mutual. To find out each rate you need to visit each site and enter your policy data, and that’s why the first method is more popular.

    To view a list of companies in Cheshire, click here.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits and deductibles with every price quote. If your comparisons have differing limits it will be very difficult to determine the lowest rate in Cheshire.

How to know if you need help

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Am I covered if I crash into my own garage door?
  • Can I rate high risk drivers on liability-only vehicles?
  • What are Connecticut no-fault laws?
  • Am I getting all the discounts available?
  • Am I covered when driving someone else’s vehicle?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Cheshire CT car insurance prices

Final thoughts

When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We just showed you many ways to shop for auto insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest premiums are with a lesser-known regional company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.