Auto insurance is required by every state in the nation and is a necessary expense for anyone involved in an accident. By having this protection, if any vehicle is damaged, or any person injured, the insurance company will generally pay most, or all of the expenses involved.
The cost of insurance varies from one company to the next, and from one policy to the other, so deciding what type of coverage might be required, as well as desired, allows you to make an informed decision based on your needs as well as complying with state requirements.
Costs may vary with the type of car being insured
Before buying a new or used car, you should probably check into insurance costs. Cars that are expensive to repair, or are generally targeted by thieves, often have a much higher cost for insurance. Costs tend to be lower in rural communities, and higher in cities where there is much more traffic congestion.
Drivers may be able to take advantage of discounts on some coverage if they have automatic seat belts and/or airbags or anti-lock brakes. Anti-lock brakes also improve steering control and stability when a car is brought to a stop, and that helps to reduce accidents.
Some states, including Florida, New Jersey and New York, require insurers to give discounts for cars equipped with these brakes, and some insurers have a nationwide discount in place. Check if your area in Connecticut provides this type of discount.
Inquire about other available discounts
Many insurers offer discounts for drivers having no accidents in three years, drivers over 50 years of age, driver’s attending training courses, installation of anti-theft devices, good grades for students, and having more than one car insured with the company.
Remember that deductibles represent the amount of money paid before making a claim and by requesting higher deductibles on collision and comprehensive (fire and theft) coverage your costs can be lowered substantially. For example, by increasing the deductible from $200 to $500 you could reduce collision and comprehensive cost by 15% to 30%. This is perhaps the most practical way to obtain cheap car insurance in ct.