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. While obtaining the proper amount of insurance isn't always easy, there are many ways to lower your premiums and ensure that you have enough protection to cover damages in the event of an accident.
Best Car Insurance Companies CT
These companies also provide discounts for people who are good drivers, students, veterans or homeowners. These companies usually offer flexible payment plans, as well as high-quality customer services. Getting a quote for the right policy is a simple and effective way to save money on car insurance in CT.
Rates for Auto Insurance in CT
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. To find the best insurance deal, you should compare quotes with several different providers.
Minimum Car Insurance Requirements in CT
Connecticut requires drivers have liability coverage, which pays for injuries and damages caused by the vehicle you drive if found liable. The state also requires uninsured/underinsured motorist (UM/UIM) coverage to protect you in the event of a crash.
Liability limits are the maximum amount that your insurance company will pay for any injuries you cause in a single crash and for any property damage you may cause in a single accident. Minimum liability limits in the state are $50,000 for all injuries and $25,000 per person.
You should also consider a comprehensive and collision policy for additional protection against theft and damage to your vehicle. If your vehicle is damaged due to an accident, these policies can assist you in paying for repairs and new vehicles.
Car Insurance Discounts CT
The top car insurance companies in Connecticut also offer a variety of discounts to attract new customers. Some of these discounts include those for timely payment, lower mileage, a clean driving history, and purchasing a more recent model.
Auto Insurance Rates for Younger drivers are Higher in CT
One of the most common reasons that car insurance rates go up is because a driver is younger and inexperienced. It means that they are more likely than experienced drivers to file a car insurance claim, increasing their rates.
If you're a younger driver, you can lower your rates by taking a defensive driving course or by enrolling in a crash-prevention program. In addition to saving money, these programs can also increase your insurance coverage and make you a safer driver.
Connecticut has an average annual rate of $1,462. This is lower than national average. However it can differ significantly depending on your driving records, credit scores, and other factors. By comparing the quotes of several insurance providers and weighing your options, you can estimate your annual premium.