8 Tips Shown to Lower Car Insurance Costs in Ansonia, CT
Are you sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than most other car owners in Connecticut. Drivers have multiple to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates.
These eight discounts can lower your rates
Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but some may not be applied and must be specifically requested in order for you to get them. If you're not getting every credit available, you're just leaving money on the table.
- Service Members Pay Less - Being on active duty in the military can result in better rates.
- Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
- No Accidents - Claim-free drivers pay less when compared with frequent claim filers.
- One Accident Forgiven - Certain companies allow you one accident without raising rates so long as you haven't had any claims for a certain period of time.
- Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
- Student in College - Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Defensive Driving Course - Taking a defensive driving course could save 5% or more depending on where you live.
- Good Students Pay Less - Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
A little note about advertised discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down the cost of coverage.
For a list of insurers with the best car insurance discounts in Connecticut, click here to view.
Comparison of Car Insurance in Ansonia
Most major insurance companies like 21st Century, Allstate and State Farm provide coverage prices directly from their websites. Getting quotes is pretty painless as you just enter as detailed in the form. Once entered, the system will obtain information on your driving record and credit history and quotes a price determined by many factors. Quoting online helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to do this if you want to find better car insurance pricing.
Quote rates the easy way
A more efficient way to lower your car insurance bill is to use a quote form that gets prices from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping a lot less work. After your information is entered, it gets priced and you are able to buy any one of the quotes that you receive.
If you find a better price it's easy to complete the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.
To find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate as close as possible to your current policy. This helps ensure you are getting a rate comparison based on identical coverages.
And the best car insurance company is...
Cheaper car insurance is definitely available both online and also from your neighborhood Ansonia agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.
While you're price shopping online, never sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.