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Three Tips on Getting Cheap Auto Insurance in Connecticut?

Updated: 9/17/2019
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12y ago

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Getting a cheap Connecticut car insurance quote is not difficult because the state has some of the cheapest rates on car insurance in the United States. It is understandable that most people do not want to pay more for car insurance than necessary. The following are a few steps to ensure that the cost stays down.

Ensure that your Credit Record Remains Clean.

With a good credit record, it is easy to qualify for lower auto insurance rates. It is common for insurance firms to charge you higher premiums if you have poor credit. Those with poor credit often pay between 20 and 50 percent more than those with good credit.

Buying the Required Insurance

You are required to pay the following amounts in basic insurance premiums, in Connecticut:

  • $25,000 per person and $50,000 per accident for uninsured motorist coverage.
  • $25,000 per person and $50,000 per accident for under insured motorist coverage.
  • $25,000 per individual and $50,000 for accidents to cover injury or death.
  • $25,000 for the destruction of another person's property in any accident.
  • $30,000 for basic no-fault personal injury protection.

Not being able to meet these base levels of insurance leads to suspension, fines and even higher insurance rates.

Compare Several Insurance Premium Quotes

Insurance premiums vary from one insurance firm to another. To find a cheap Connecticut car insurance quote, you need to weigh all the choices available to you. The main consolation is that it is easy to shop around and compare the options through the insurance comparison websites. You will obtain quotes from A-rated firms that you can compare at your own convenience. As you go through the quotes, ensure that you get all the discounts you are eligible for, for example:

  • Good student discounts.
  • Auto/home discounts.
  • Safety-feature discounts such as air bags, automatic seat belts and anti-lock brakes.
  • Discounts for taking a defensive driving course.
  • Discounts on anti-theft devices.
  • Discounts for being accident free for a given number of years.
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