The State of Connecticut requires drivers to carry minimum levels of car insurance coverage, or face a fine and possible driver's license suspension. Although getting the proper insurance coverage is not always simple, there are several ways to save money and make sure you have enough to cover your damages in case of an accident.
Best Car Insurance Companies In 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. A quote is an easy and cost-effective way to reduce your car insurance costs in CT.
Auto Insurance Rates in CT
Connecticut has lower average rates than the nation, but you may pay more if your car is older or if it's in a high-priced area. Comparing quotes from multiple insurance providers will help you find the best price for your needs.
Minimum Car Insurance in CT
Connecticut requires drivers to carry liability insurance, which covers injuries and damage caused by your vehicle if you are found liable. The state also requires uninsured/underinsured motorist (UM/UIM) coverage to protect you in the event of a crash.
The liability limits are the maximum amounts that your insurer will pay out for injuries and property damage caused by you in an 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. These policies may help you cover the cost of repairs or replacements if your car is damaged by an accident.
Car Insurance Discounts CT
These top Connecticut auto insurance companies provide a range of discounts in order to attract more 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.
Younger Drivers Cost More for Auto Insurance in CT
A driver's inexperience or youth is one of the biggest reasons for higher car insurance premiums. Inexperienced drivers are more likely file a claim. Their rates will increase.
If you are a new driver, you may be able to lower your insurance rates by enrolling into a crash-prevention course or taking a defensive drive course. These programs not only save you money but also make you a better driver and increase your insurance coverage.
The average yearly car insurance rate in Connecticut is $1,462. This is lower than national average. However it can differ significantly depending on your driving records, credit scores, and other factors. You can get an accurate estimate of your annual premium by comparing quotes from several insurance companies and weighing the different options available to you.