Smart Ways to Save Money on Car Coverage

Auto insurance is required by every state in the US as a necessary expense. It ensures that relief is provided for anyone involved in an accident. Having this protection means that, if you or another person’s vehicle is damaged, or anyone is injured, the insurance will help pay most, or all of the expenses involved.


The cost of CT auto insurance varies from one policy to the next, depending on the insurer, type of car, etc. Deciding what type of coverage is required, and comparing rates online will help make for an easier decision, based on your needs as well as state requirements. When shopping for insurance it’s always smart to follow any sound advice, which may provide you with significant savings.


Certain cars more costly to insure


Before buying a new or used car, check into current insurance costs. Cars more expensive to repair, as well as those targeted by thieves, can have much higher costs for insurance.

Also consider insurance cost when moving to a new locale. Costs tend to be lowest in rural communities, higher in cities where there are more cars and more traffic congestion.


Always inquire about discounts. Drivers may be able to take advantage of discounts on coverage if they have automatic seat belts and/or airbags, and the same goes for anti-lock brakes. Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing the possibility of accidents.


Inquire about other discounts. Many insurers offer discounts for drivers without any accidents in three years, drivers over 50 years of age, as well as anyone having completed driver’s training courses. Anti-theft devices, good grades for students, and having more than one car insured with a company can also garner savings.


Ask about higher deductibles. Deductibles represent the amount of money paid before making a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, costs can be lowered substantially. Also, take advantage of low mileage discounts. Some ct auto insurance companies offer discounts to motorists who drive fewer than a predetermined number of miles a year. Speak to an agent today.

Insurance Risk Advisors