Connecticut requires car owners to maintain minimum insurance levels. Otherwise, they may be subjected to a fine as well as the suspension of their driving 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 in CT
The best Connecticut car insurance companies offer discounts to those who qualify, including students, veterans good drivers and homeowners. They also offer flexible payment options and high-quality service. It is easy to find the best policy for your needs and save money.
Rates for Auto Insurance in CT
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. Comparing quotes from multiple insurance providers will help you find the best price for your needs.
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.
Liability limits are the maximum amount that your insurance company will pay for any injuries you cause in a single crash and for any property damage you may cause in a single accident. State minimum liability limits for bodily injury to each person are $25,000 and $50,000 respectively.
A comprehensive and collision insurance policy will provide you with additional protection from theft or damage to your car. These policies can help you pay for repairs and replacements, if your vehicle is damaged in an accident.
Car Insurance Discounts in CT
Top car insurance companies offer discounts for new customers. These discounts are available for paying your bills in full, reducing your mileage, maintaining a clean record of driving, or purchasing a model that is newer.
Auto Insurance Rates for Younger drivers are Higher in CT
The most common reason for an increase in car insurance is that a driver's age and experience are both younger. 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. These programs are not just about saving money. They can also help increase your coverage and make you safer.
Connecticut averages $1,462 per year for car insurance. It is lower than the national average but can still vary a lot depending on factors like your driving history, credit score and other factors. By comparing the quotes of several insurance providers and weighing your options, you can estimate your annual premium.