Getting Cheap Bethany Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say many Bethany consumers feel financially strained by their auto insurance policy. You have multiple to buy insurance from, and although it's a good thing to be able to choose, having more makes it harder to compare rates.

Why some people pay less for insurance in Bethany

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.

Drive a safer car and pay less - Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts and thus lower rates.
Extra add-on coverages are wasting money - There are a ton of extra coverages that you can get tricked into buying on your auto insurance policy. Coverages for personal injury protection, accidental death and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don't need them eliminate them to save money.
Teen drivers pay high rates - Teen drivers in Connecticut are known to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, file fewer claims and tend to be better behind the wheel.
Marriage pays dividends - Having a wife or husband can get you a discount when buying auto insurance. Having a spouse is viewed as being more responsible it has been statistically shown that being married results in fewer claims.
Your credit rating is important - A driver's credit history is a huge factor in calculating your auto insurance rates. Therefore, if your credit history is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Liability coverage protects you - Liability coverage provides coverage if a court rules you are at fault for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Theft deterrents lower rates - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.

Quick Bethany Auto Insurance Quotes

Effectively comparing auto insurance prices is a ton of work if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in Bethany, or you can stay home and use the web to achieve your goal.

Most of the larger companies take part in a program that enables customers to submit one quote, and each participating company provides a quote based on that information. This eliminates the need for quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to doing it this way is buyers cannot specifically choose which providers to get pricing from. So if you want to select specific insurance companies to request quotes from, we put together a list of the cheapest auto insurance companies in Connecticut. Click to view list.

Whichever way you use, compare identical coverage information for each price quote. If the quotes have unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate in Bethany.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit possible, you are paying more than you should be.

Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Driver Safety - Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
Student in College - Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Organization Discounts - Participating in a qualifying organization could qualify you for a break when buying auto insurance.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will bring down your premiums.

To choose insurers who offer auto insurance discounts in Connecticut, follow this link.

The auto insurance bait and switch

Connecticut consumers can't ignore all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies say the same thing about savings after switching to them.

How does each company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the type of driver that makes them money. For instance, a profitable customer could possibly be between the ages of 40 and 55, has no tickets, and has great credit. A driver who fits that profile will get the preferred rates and therefore will save when switching.

Drivers who don't measure up to these standards must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save money. That's the way companies can truthfully advertise the savings.

This illustrates why you need to get a wide range of price quotes. It is impossible to predict which auto insurance company will give you the biggest savings.

Additional information is located on the website for the Connecticut Insurance Department. Click here for link. Connecticut consumers can find disaster information, discover disciplinary actions, read enforcement actions against agents and companies, and get help finding coverage.

And the best car insurance company is...

Cheap auto insurance can be bought online and with local Bethany insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.