Nobody looks forward to buying car insurance, especially when their premiums are too high. Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurance company to discover the definitive lowest price
It is always a good idea to take a look at other company’s rates on a regular basis since insurance rates are usually higher with each renewal. Even if you think you had the lowest rates six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to reduce your cost while improving coverage.
If you have insurance now or are looking for a new policy, you can use these techniques to get lower rates while maximizing coverage. Buying car insurance in New Canaan is not rocket science. Connecticut drivers only need an understanding of the proper way to compare company rates online.
It’s important that you understand the factors that help determine the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that can help you get lower car insurance prices.
The following are a few of the “ingredients” companies use to determine your rates.
Getting better car insurance pricing is a fairly straight forward process. You just have to take the time to compare quotes online from several insurance companies. This can be done using a couple different methods.
It’s your choice how you get your quotes, but ensure you’re using exactly the same deductibles and coverage limits for each price quote. If each company quotes different liability limits it’s impossible to make an equal comparison in New Canaan.
Connecticut consumers can’t get away from ads for car insurance savings from the likes of State Farm, Allstate and GEICO. All the companies say the same thing that you’ll save big if you switch your coverage to them.
But how can every company make almost identical claims?
All companies can use profiling for the type of customer that earns them a profit. An example of a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and has excellent credit. A customer who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.
Potential customers who are not a match for these standards will be charged a higher premium and this can result in the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. This is how insurance companies can advertise the way they do.
That is why you should get a wide range of price quotes. It’s impossible to know which company will give you the biggest savings.
Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Most are applied when you quote, but lesser-known reductions have to be inquired about before you get the savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.
Keep in mind that most credits do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.
For a list of companies who offer car insurance discounts in New Canaan, click here to view.
Some consumers would prefer to sit down with an agent. Licensed agents can point out coverage gaps and give you peace of mind. The best thing about comparing insurance prices online is the fact that you can find the best rates and still choose a local agent. Supporting local insurance agencies is especially important in New Canaan.
Upon completion of this quick form, the quote information gets sent to insurance agents in New Canaan who will give you bids for your coverage. You won’t need to visit any agencies as quotes are delivered to your email. Now that’s easy!
Listed below is a list of auto insurance companies in New Canaan that are able to give comparison quotes.
Emmons & Wilson Insurance – 41 Pine St, New Canaan, CT 06840 – (203) 966-1679
Brown Thayer Shedd Insurance – 49 Pine St, New Canaan, CT 06840 – (203) 966-0660
Marvin Newman Agency Inc – 240 South Ave # A, New Canaan, CT 06840 – (203) 972-8165
Allstate Insurance – 123 Main St # 1, New Canaan, CT 06840 – (203) 972-3123
State Farm Insurance – 140 Elm St, New Canaan, CT 06840 – (203) 966-9930
Picking an insurer shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:
Upon getting positive responses to these questions and a low price estimate, you may have just found an insurance company that will properly service your car insurance policy.
When choosing the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Additional information is located on the website for the Connecticut Insurance Department located here. Visitors are able to view a list of available companies, learn about specific coverages, read state legal mandates and laws, and download brochures.
We just presented many ways to save on car insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with the least-expected company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.
While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best price.