Connecticut requires all drivers to have minimum coverage levels of insurance. Failure to do so could result in a fine or suspension of your license. Even though getting enough insurance can be difficult, there are ways that you can reduce your rates and make sure that you're covered in case of an incident.
Best Car Insurance Companies CT
Best car insurance companies Connecticut offer discounts and special offers to students, veterans, good motorists, homeowners, and many more. These companies are also known for their excellent customer service and flexible payments plans. Getting a quote for the right policy is a simple and effective way to save money on car insurance in CT.
Auto Insurance in CT - Rates
Connecticut car insurance is cheaper than the national standard, but it can be more expensive if you have an older car or live in a costly area. It is important to compare rates from several providers in order to get the best deal.
Minimum Car Insurance in CT
Connecticut requires that drivers carry liability insurance. This covers damages and injuries caused by their vehicle, if they are found to be liable. The state also requires uninsured/underinsured motorist (UM/UIM) coverage to protect you in the event of a crash.
Your insurance company's liability limits determine the maximum amount they will pay to cover any injuries or property damage that you may have caused in an accident. The minimum liability limit for the state is $25,000 for every bodily injury, and $50,000 for any injuries.
You should also consider a comprehensive and collision policy for additional protection against theft and damage to your vehicle. These policies help pay for vehicle repairs and replacements in the event of an accident.
Car Insurance Discounts CT
These top Connecticut auto insurance companies provide a range of discounts in order to attract more customers. Discounts can be offered for a variety of reasons, including paying bills on time, driving safely, having a good driving record or buying a newer car.
Younger Drivers Cost More for Auto Insurance in CT
A driver's inexperience or youth is one of the biggest reasons for higher car insurance premiums. This means that they will be more likely to claim than a driver with experience, and their rates will rise.
If you are a new driver, you may be able to lower your insurance rates by enrolling into a crash-prevention course or taking a defensive drive course. In addition to saving money, these programs can also increase your insurance coverage and make you a safer driver.
Connecticut's average annual car insurance premium is $1,462. This is lower than national average. However it can differ significantly depending on your driving records, credit scores, and other factors. By comparing the quotes of several insurance providers and weighing your options, you can estimate your annual premium.