Connecticut mandates that drivers have minimum insurance coverage or they will be fined and their driver's licence could be suspended. There are a number of ways you can lower your insurance premiums, and still have adequate coverage in the event of a car accident.
Best Car Insurance Companies CT
These companies also provide discounts for people who are good drivers, students, veterans or homeowners. These companies are also known for their excellent customer service and flexible payments plans. To save money on CT car insurance, getting a quote is the easiest and most effective way.
Auto Insurance Rates Connecticut
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. You should also compare quotes from several insurance providers to find the best deal for your needs.
Minimum Car Insurance in CT
Connecticut mandates that all drivers carry liability coverage. This insurance will cover injuries and property damage caused by you or your vehicle in the event of a crash. The state also requires uninsured/underinsured motorist (UM/UIM) coverage to protect you in the event of a crash.
Liability limits refer to the maximum amount your insurance provider will pay in case of injury or property damage in a single accident. The state's minimum liability limits are $25,000 for each person's bodily injury and $50,000 for all injuries.
For additional protection against vehicle theft and damage, you should also look into a comprehensive or collision policy. These policies help pay for vehicle repairs and replacements in the event of an accident.
Top Discounts for Car Insurance in CT
In order to attract new customers, Connecticut's top auto insurance companies also offer different discounts. 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 Costs More for Younger Drivers In CT
Inexperience and youth are two of the main reasons why car insurance rates increase. This means that they will be more likely to claim than a driver with experience, and their rates will rise.
You can reduce your rates if you are a young driver by enrolling in crash prevention programs or a defensive driving program. In addition to saving money, these programs can also increase your insurance coverage and make you a safer driver.
Connecticut's average car insurance cost is $1462. This is lower than national average. However it can differ significantly depending on your driving records, credit scores, and other factors. Comparing quotes from different insurance companies will give you an estimate of the annual premium.