Connecticut Car Insurance Quotes
Consumers have the option to request Connecticut car insurance quotes in a number of different ways. If you love traditional service and sitting face-to-face with an auto insurance agent, you can visit local brokerages and agencies.
If you prefer to do business by phone, you can call agencies or call a 1-800 number 24 hours a day, 7 days a week. If you are technologically savvy and you prefer to do all of your pricing on the Internet, you can use quoting systems direct through each company's website.
While all of these options are available, many find that the most convenient and effective way to request quotes without providing information several different times is to use an advanced rate comparison tool. These advanced web-based quoting tools give consumers access to the rates for auto insurance in Connecticut from several different providers at once.
By entering all of your information into the system, you can find out which company that is licensed to do business in the state will offer you the most competitive rates.
Use our FREE comparison tool to start your search for auto insurance. Simply enter your ZIP code above now!
Finding these competitive rates is important in a state that is ranked the 9th most expensive state for auto insurance premiums with the average expenditures reported to be $970.22 per year.
Read this guide, and learn what you need to get the most accurate quotes for insurance while you build the best auto insurance policy that protects you when you are behind the wheel.
Why It Is Important to Provide Accurate Details For Your Quotes
It is crucial that you provide the most accurate information possible when you are requesting Connecticut car insurance quotes.
By providing the same information to each insurer, you have peace of mind in knowing that the price quotes you receive will each be based on the same rating factors that can significantly affect your premium. Listing the wrong licensing date or date of a moving violation can truly impact your rates.
When you request a quote, it is just a price estimate. The premiums are not locked in until the policy has been underwritten and a decision has been made regarding your rating classification. It is completely legal for a company to charge more than was quoted as long as the agent did not intentionally deceive you.
By taking the time to learn what you will need to complete an online quote form for premium estimates, you can avoid choosing the wrong insurer because you were misquoted.
Finding Financially Solid Companies Before You Begin
If you are on a mission to find the most competitively priced premiums, it is time to start shopping around so that you can determine which insurers licensed to do business in Connecticut have established the most competitive rates for drivers in your target market.
You can start by identifying the insurers licensed in Connecticut, and then verify that the company is financial strong before you get to quoting.
While price is extremely important, the first step is finding an insurer with financial solidity that is capable of paying claims when they are filed. If you are not sure how to go about checking a company's financial status, use the grade through a third-party rating agency like A.M. Best, Standard & Poor's or Moody's.
Be sure to avoid making the mistake of relying on what an insurer says about their rankings and get your information straight from the source. If you use a rate comparison tool online to compare rates, you have peace of mind in knowing that you will receive the price quotes from the most respected and licensed insurers.
How to Get the Most Accurate Connecticut Car Insurance Quotes Possible
Now that you have narrowed down the list, you can begin requesting quotes. If you have decided that using an advanced and intelligent rate comparison web-based tool is the best option for you, you should all of your information available to make the process as quick as possible.
If you have to stop and get up to get the information that is being requested, using an online system can take much longer than expected. People who are prepared and know what types of coverage that they want to purchase can expect to get multiple quotes in as little as 5 to 10 minutes.
Here is the information that you will need to provide:
Personal Identifying Information
You will need to provide your name, date of birth, licensed number and the date licensed to begin the quoting process. Do not forget to include your original licensing date if you have been licensed in a state before your driver license was issued in Connecticut.
This will give you additional experience points, which can lower your premiums and qualify you for additional accident-free and good driver discounts. You will need the same information for all of the other drivers in your household as well.
Vehicle Information
The best way to provide vehicle information is to enter your VIN into the quoting system. If the VIN is input accurately, the year, make and model will pre-populate into the system automatically. Auto insurance rates are based on the type of vehicle you own.
If the vehicle causes a significant amount of damage or injuries in accidents, they will be rated higher. You may also receive credits and discounts if your vehicle has aftermarket safety devices, so do not forget to include this information.
Odometer Reading, Usage and Annual Mileage Estimates
When the vehicle information is entered, you may be asked for the vehicle's odometer reading. This number should be exact, especially if you will receive a low mileage discount. The insurer will use the odometer reading at each renewal to see if you still qualify for low mileage ratings, and putting a number that is not exact can affect you.
Be sure to be realistic when estimating your annual mileage. Saying that you drive too much or too little may affect your premiums.
You will also need to list how your vehicle will be used. If you are driving to run errands, you are a pleasure user. If you drive to and from school or work, you are a commuter. If you drive to multiple locations for work, you are a business user. The lowest ratings are pleasure usage and the highest are business use. Keep this in mind when you are filling out the quoting form.
Driving Record and Claims History
If you do not have a clean driving record, you should find out the dates of your violations or the dates of your accidents before you start asking for quotes. Claims and minor moving violations can be surcharged for 3 years from the date of conviction or the date of the accident.
If you put the wrong date, your quote may not include a surcharge when you should still be paying for it. You can request a Letter or Experience from your current insurer, or you abstract of your license to see what is on your record. This will save you time and hassle in the long run.
Types of Coverage You Would Like to Carry
If you currently have an auto insurance policy, you can copy your coverage directly from your declarations page so that you can request an apples to apples quote. Be aware that it is best to get an apples to apples quote first, and then adjust the coverage limits if you feel like you do not have adequate protection.
If you do not have insurance and you are not sure how much coverage you need, consider your needs. Many people will use a rating tool to price the cost of the minimum auto insurance coverage required by law first, and then increase these limits to see how much additional coverage will cost out-of-pocket.
You must consider your assets, how much liability insurance you feel is appropriate, and whether or not you need optional cover like comprehensive, collision, Medical Payments, rental car reimbursement and towing. If your vehicle is being leased or financed, you are required by your lending contract to carry full coverage on the vehicle.
If this is the case, you will need to decide which deductible is reasonable and acceptable. Remember, the deductible is the amount of money that will be deducted from your claim if you need repairs due to a covered loss.
Once you are done entering all of this information, you will be able to get the most accurate quotes. If you qualify for additional discounts, for mature driving courses or good grades, you will be asked to enter additional information so that the discount is applied. Online rate comparison tools have come a long way.
They are quickly becoming the best way to comparison shop because they can give you access to several rates and recommend which limits you may need to protect yourself on the road.
Start retrieving your Connecticut car insurance quotes and find a competitively priced auto policy. Use the FREE comparison tool below to get started now!