I can’t think of a single person who likes having to buy auto insurance, in particular when their premiums are through the roof.
Online insurance companies like State Farm and GEICO all claim big savings with fancy advertisements and it can be hard to sift through the bull and effectively compare rates to find the best deal.
Consumers should take time to get comparison quotes at least once a year because prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates six months ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.
Effectively comparing auto insurance prices can be challenging if you don’t utilize the fastest way to get free quotes. You can waste a lot of time driving to insurance agencies in Ridgefield, or you could save time and use online quotes to get prices fast.
Most major companies are enrolled in a marketplace that allows shoppers to submit their information once, and each participating company returns a competitive quote determined by their information. This eliminates the need for quotation requests to each individual auto insurance company.
To fill out one form to compare multiple rates now click to open in new window.
The one downside to doing it this way is you can’t choose which insurance companies to get quotes from. If you would rather choose from a list of companies to compare, we put together a list of companies who write auto insurance in Connecticut. Click here for list of insurance companies in Connecticut.
It doesn’t matter which method you choose, just ensure you’re using identical coverage information with each company. If each company quotes differing limits it will be next to impossible to determine the lowest rate in Ridgefield. Slightly different coverages may result in large price differences. Keep in mind that quoting more provides better odds of finding a lower rate.
State Farm and Allstate regularly use ads in print and on television. All the companies make the same claim that you’ll save big if you move your policy. How can each company say the same thing? It’s all in the numbers.
Insurance companies have a certain “appetite” for the right customer that makes them money. An example of a profitable customer might be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. Any driver who matches those parameters gets the lowest rates and therefore will pay quite a bit less when switching companies.
Drivers who fall outside these standards will have to pay higher premiums which leads to business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently advertise the savings.
Because of the profiling, it’s extremely important to get as many quotes as possible. Because you never know which company will provide you with the cheapest rates.
It’s important that you understand the rating factors that go into determining your auto insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with lower auto insurance prices.
The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you quote, but less common discounts must be asked for prior to getting the savings.
Drivers should understand that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way. But all discounts will reduce your overall premium however.
For a list of insurance companies offering auto insurance discounts in Ridgefield, click here.
When it comes to choosing the best auto insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining whether you would benefit from professional advice.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Some consumers prefer to buy from a local agent and that is OK! The best thing about comparing rates online is that you can obtain better rates but still work with a licensed agent. And supporting local businesses is important especially in Ridgefield.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to insurance agents in Ridgefield who will return price quotes for your coverage. There is no need to visit any agencies as quotes are delivered straight to your inbox. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.
Shown below is a list of insurance companies in Ridgefield who can help you get comparison quotes.
Carnall Insurance Inc – 401 Main St, Ridgefield, CT 06877 – (203) 438-0404
Allstate Insurance Co – 716 Danbury Rd # 2, Ridgefield, CT 06877 – (203) 431-1888
John M Glover Agency Inc – 360 Main St, Ridgefield, CT 06877 – (203) 894-8201
State Farm Insurance – 370 Ethan Allen Hwy, Ridgefield, CT 06877 – (203) 438-5311
Ridgefield Insurance – 80 Ashbee Ln, Ridgefield, CT 06877 – (203) 431-0080
Liberty Mutual Insurance – 590 Danbury Rd, Ridgefield, CT 06877 – (203) 431-1932
Choosing an insurance company requires more thought than just a cheap price. Here are some questions to ask:
Once you have acceptable answers to any questions you have and locked in a price quote, most likely you have located an provider that meets your needs to service your policy.
We’ve covered a lot of tips how to compare auto insurance prices online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with some of the smallest insurance companies. They can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There are many occasions where an insured dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the best price while still protecting your assets.
Additional auto insurance information is available on the website for the Connecticut Insurance Department found here. Connecticut consumers can find out industry alerts, discover disciplinary actions, and file complaints about a company.