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Connecticut car insurance can be quite confusing. Figuring out what kind to buy, how much you need and how to get the best coverage for the best price may seem impossible—but don't despair…we're here to provide the information you need.
Vital information about Connecticut car insurance has been compiled below. Read through it, contact InsureMe for competitive car insurance quotes and rest assured you are making the best purchasing decision possible.
After all, KNOWLEDGE IS POWER!
Meeting State Requirements
Connecticut requires all drivers to maintain the following types of car insurance:
Bodily Injury Liability: Covers injury to others due to your negligence. Minimums mandated are $20,000 per person and $40,000 per accident.
Property Damage Liability: Covers damage to others' property when you are negligent. Minimum required is $10,000 per accident.
Uninsured/Underinsured Motorist: Covers bodily injury to you or others riding in your car when you're involved in an accident caused by a motorist who is either uninsured or has insufficient coverage-or by a hit-and-run driver. You must carry $20,000 per person and $40,000 per accident coverage.
Examining Other Wise Options
Collision coverage protects your car when you are involved in an accident with another vehicle or object, or when your car rolls over.
Comprehensive Connecticut car insurance covers damage to your car other than collision, including theft, explosion, vandalism, flood, falling objects, windstorm, glass breakage and impact with animals. A deductible is usually necessary.
Full glass coverage covers breakage of your car's glass with no deductible. Usually requires an extra premium.
Pricing amongst Connecticut car insurance companies varies greatly. Premiums are, however, based on certain factors and characteristics. Some of
Age, gender and marital status
Certain groups of drivers have more accidents.
Some vehicles cost more to repair.
Where you drive, how you drive, use of your vehicle
These factors may increase your risk of accident.
Accidents or tickets mean higher premiums.
Household driving information
Ages and driving records of other household drivers also affects premiums.
The more insurance you buy, the higher your premium.
Illustrates your financial stability, helping to determine overall cost.
It is possible to keep premiums manageable! Driving safely and keeping accidents and tickets to a minimum is the first step to keeping your Connecticut car insurance rates down.
Opt to increase your deductibles, if at all possible, to keep yearly premiums lower. Although higher deductibles mean more out-of-pocket expense, they also mean less risk of claims to your insurance company, making coverage more available to you-and yearly costs lower.
Another step to keeping your Connecticut car insurance premiums low is to check out insurance costs before you purchase a new car. High premiums often accompany cars proven to have a higher risk of theft or damage. In addition, consider purchasing a car with safety devices such as anti-lock brakes and airbags. This not only aids in your protection, but makes you eligible for discounts.
Young drivers should take driver training courses and maintain good grades, as this qualifies them for discounts and affects the entire household premium.
Senior citizens can qualify for discounts by taking accident prevention courses, thereby lowering premiums.
Acting and Saving
A little research is all it takes. You are now empowered to compare policies and make the best Connecticut car insurance purchasing decision possible. You know your options, so look for the car insurance quote you need with confidence using InsureMe!
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