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Cheap Connecticut Auto Insurance

Cheap Connecticut auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Connecticut.
auto insurance in Connecticut

These days, we want to make sure that we’re saving as much money as we can. Unfortunately, there may not be too many ways to do it, as we all need to honor our financial responsibility. This is hardly ever truer than when it comes to car insurance. It’s just not cheap. While we can’t rewrite law, we can match people with cheap auto insurance policies in Connecticut using our free quote tool! If you’re looking for a new policy, we’ll only supply the cheapest and most effective!

Connecticut Auto Insurance Law & Practices
If a person is going to find a cheap Connecticut auto insurance policy, understanding the law and how companies operate is a great start. The state of Connecticut is a Tort state, meaning that if the state declares an individual as the cause of an accident, the named person will be required to pay all the damages which result from the accident they caused. This will include all medical bills and vehicle repairs. For this reason, insurance companies may encourage you to purchase more than the minimum auto liability insurance required by the state of Connecticut. If a car is financed, you will most likely be required to carry comprehensive and collision coverage on the vehicle. Failure to do so in the state of Connecticut can be considered as a default of insurance coverage on your part.

Insurance companies in Connecticut do not have to cover members of your household if they are not listed on the policy. Even though you do not have to list everyone on the policy, the company may request it. If you do not comply with the company’s request, they can deny the claims on any persons not included on the policy. And if they’re driving the vehicle and you happen to file a claim, it doesn’t particularly matter if you have a cheap auto insurance policy in Connecticut or not – this can prove to be quite expensive.

Also, the insurance company is allowed to check out your personal credit history when offering you insurance and setting your premium rates. They may also look at your driving record, age, and the area where you live. Maintaining a good driving record and paying your bills on time will reduce your premiums.

Average Premiums in Connecticut
The average insurance premium in Connecticut was about $981.00 as of 2006. Connecticut was ranked as having the 10th highest premium average in the United States, which generally doesn’t count as a cheap car insurance policy. Even still, there are still litanies of ways to obtain cheap auto insurance in Connecticut, as there are 22 state approved insurance companies.

Lowering Auto Insurance Premiums
Things that can help you reduce the cost of your insurance premiums include a clean driving record, the type of vehicle you choose to drive as well as the number of miles you drive per year. The fewer miles you put on your vehicle each year, the lower your chances are of being involved in an accident, something to especially take note of if you’re looking for the best cheap Connecticut auto insurance.. Furthermore, a clean driving record reduces your risk of an accident.

As one would expect, it will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves. Although not impossible, it’s sufficiently harder to obtain cheap auto insurance for these vehicles. The cars that made the top 10 stolen vehicles in Colorado are:

1. 1991 Honda Accord
2. 1995 Honda Civic
3. 1990 Toyota Camry
4. 1990 Acura Integra
5. 1993 Dodge Caravan
6. 1994 Jeep Cherokee/Grand Cherokee
7. 1993 Plymouth Voyager
8. 1997 Ford Taurus
9. 1994Ford Escort1997 Dodge Ram Pickup
10. 1995 Nisan Maxima


Even if you do drive one of these vehicles, all is not lost on your hunt for cheap auto insurance in Connecticut. Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums along with ant- theft devices like an alarm system and global positioning systems. Parking your car in a garage or secured area is another way to reduce your premiums. Where you live will affect your insurance rates which can be affected by weather extremes, high theft risk, and high traffic patterns. Don’t forget to maintain a good credit record as the insurance company looks at this to determine how likely you are to pay your premiums on time. Prior accident claims will also be a red flag to insurance companies especially if there are several claims on your past record. The amount of your deductible is also a key factor when determining insurance rates. The higher your deductible is, the lower your insurance rates will be.

Even if you may have a few things working against you, we can still help with our free quote tool! We’ve connected people, regardless of their history or vehicle, with some fantastic quotes from top-tier companies in the industry. If you’re looking for some relief on your next policy – we’ll supply it.



Source: Connecticut Car Insurance Laws

Useful links:
Connecticut Division of Motor Vehicles
Connecticut Division of Insurance
Connecticut Department of Revenue

Connecticut minimum requirements
Bodily Injury Per Person Liability: $20,000.00 Limit
Bodily Injury Total Liability: $40,000.00 Limit
Property Damage Liability: $10,000.00 Limit
Uninsured/ Underinsured Motorist Bodily Injury: $20,000.00/$40,000.00 Limit


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