Buy the Cheapest Danbury Auto Insurance

Paying for high-priced auto insurance can empty your savings account and make it hard to pay other bills. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Insurance companies such as GEICO and Progressive all promote huge savings with catchy ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to get comparison quotes yearly since insurance rates are constantly changing. Even if you got the best price six months ago you can probably find a better price now. Ignore everything you know about auto insurance because you're about to find out the only way to find great coverage at a great price.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Clean credit earns discounts - Your credit score is a large factor in determining what you pay for auto insurance. If your credit is lower than you'd like, you could save money insuring your by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
Where you live can impact rates - Residing in small towns and rural areas has it's advantages when buying auto insurance. Fewer drivers means reduced accidents. City drivers tend to have congested traffic and longer commute times. Longer commute distances means higher likelihood of an accident.
Do you qualify for a multi-policy discount? - Most companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to comparison shop to confirm you are receiving the best rates possible.
No coverage gaps is important - Allowing your auto insurance policy to lapse is a quick way to pay more for auto insurance. Not only will rates go up, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
Claim-free discounts can add up - Insurance companies in Connecticut provide cheaper rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Be sure to get all your discounts

Car insurance is not cheap, but companies offer discounts that many people don't even know exist. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically prior to getting the savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Multi-policy Discount - If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
Use Seat Belts - Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Government Employees - Employees or retirees of the government could cut as much as 10% off with certain companies.
Theft Prevention Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Organization Discounts - Affiliation with a civic or occupational organization could qualify you for a break on your policy.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To choose providers offering auto insurance discounts in Danbury, follow this link.

Is there truth in advertising?

Connecticut drivers can't ignore all the ads for car insurance savings from companies such as Allstate and Progressive. All the ads say the same thing about savings if you switch your policy.

How can each company say the same thing?

Insurance companies have a preferred profile for the right customer that makes them money. For example, a preferred risk might be profiled as between 30 and 50, has no prior claims, and has a high credit rating. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a higher premium which usually ends up with business not being written. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully state the savings.

That is why you should get quotes from several different companies. It's not possible to predict which insurance companies will have the lowest rates.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you might need professional guidance.

Can I get a multi-policy discount for packaging my home and auto coverage?
What is the difference between comprehensive and collision coverage?
Am I covered when driving in Canada or Mexico?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
Are rental cars covered under my policy?
Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Learn more about auto insurance in Connecticut

Additional information can be found on the website for the Connecticut Insurance Department through this link. Connecticut drivers can find out industry alerts, view agent and company licensing information, read consumer alerts, and find a variety of consumer forms.

Best coverage at the best price

As you restructure your insurance plan, it's a bad idea to buy poor coverage just to save money. Too many times, consumers will sacrifice physical damage coverage only to discover later that they should have had better coverage. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheaper auto insurance can be found on the web in addition to many Danbury insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.