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. 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 offer discounts for students, veterans and good drivers. They also offer discounts for homeowners. These companies also typically offer high-quality customer service and flexible payment plans. To save money on CT car insurance, getting a quote is the easiest and most effective way.
Auto Insurance Quotes in CT
Connecticut's average car insurance rates are less than the national average, but they can be higher if you live in a more expensive area or have an older vehicle. You should also compare quotes from several insurance providers to find the best deal for your needs.
Minimum Required 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 minimum liability limit for the state is $25,000 for every bodily injury, and $50,000 for any injuries.
For additional protection against vehicle theft and damage, you should also look into a comprehensive or collision policy. If your vehicle is damaged due to an accident, these policies can assist you in paying for repairs and new vehicles.
Top Discounts for Car Insurance 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 is more expensive for young drivers in CT
One of the most common reasons that car insurance rates go up is because a driver is younger and inexperienced. This means that they will be more likely to claim than a driver with experience, and their rates will rise.
If you're under 25, you can lower the cost of your insurance by taking a defensive-driving course or enrolling in an accident prevention program. The programs you enroll in can not only reduce your rates, but they will also increase insurance coverage.
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. Comparing quotes from different insurance companies will give you an estimate of the annual premium.