Top Ways to Save on North Haven Auto Insurance

Having to pay for overpriced auto insurance can drain your savings account and put the squeeze on your family's finances. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances.

Because you have many insurance companies to choose from, it can be impossible to find the most cost effective company.

It's important to shop coverage around on a regular basis since insurance rates are constantly changing. Just because you found the lowest price a few years ago there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

Finding affordable coverage in North Haven is quite easy. In a nutshell, anyone who has to buy auto insurance stands a good chance to be able to reduce their rates. Nevertheless, Connecticut vehicle owners do need to know the way insurance companies sell online because it can help you find the best coverage.

Tips to Get Lower North Haven Rates

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Pay less if you're married - Having a wife or husband helps lower the price on your policy. It translates into being more mature and responsible and it's proven that married drivers get in fewer accidents.
High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The more you have to pay, the bigger discount you will receive.
Do you work long hours in a high stress job? - Jobs such as judges, business owners and stock brokers have the highest rates because of job stress and lengthy work days. On the other hand, occupations like pilots, students and retirees get better rates.
Extra coverages can waste money - There are quite a few add-on coverages that you can buy if you aren't careful. Things like vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
Proper usage rating affects rates - The higher the mileage driven in a year's time the more you will pay for auto insurance. Almost all companies price each vehicle's coverage determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
Your car's features help determine rates - Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.

Auto Insurance Prices in North Haven, Connecticut

Performing a rate comparison can take time and effort if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in North Haven, or you could save time and use online quotes for quick rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This saves time by eliminating quotation requests for each company you want a rate for.

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

The single downside to getting quotes like this is you are unable to specify which providers you want pricing from. So if you want to choose specific providers to compare, we have a listing of auto insurance companies in Connecticut. Click here to view list.

It's up to you which method you use, but ensure you are comparing apples-to-apples quote information for every quote you compare. If you use mixed coverages it's impossible to determine the best price in North Haven. Quoting even small variations in coverage limits may result in large price differences. Just remember that comparing more company's prices gives you a better chance of getting a better price.

How much can you save with discounts?

Companies that sell car insurance don't always list all their discounts very well, so we researched some of the best known as well as the least known savings tricks you should be using.

Sign Online - Certain companies give back up to $50 simply for signing online.
Own a Home - Owning a house in North Haven can help you save on auto insurance because maintaining a house shows financial diligence.
Claim Free - Drivers who don't have accidents pay much less as compared to accident-prone drivers.
Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Organization Discounts - Affiliation with a professional or civic organization is a good way to get lower rates on auto insurance.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.

It's important to understand that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

To choose companies with discount auto insurance rates in Connecticut, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to make an identical promise of big savings if you change your coverage to them. But how can every company say the same thing?

All companies have a preferred profile for the type of customer that makes them money. For instance, a desirable insured might be profiled as a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will have to pay higher prices and ends up with business not being written. The ads state "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which insurance companies will provide you with the cheapest rates.

More tips and info about auto insurance is located at the Connecticut Insurance Department website. Connecticut drivers can get help finding coverage, report car insurance fraud, read industry bulletins, and discover disciplinary actions.

Other informative sites include this site for Connecticut auto insurance information and see this list of insurance agents in North Haven.

Final considerations

Low-cost auto insurance can be sourced on the web as well as from independent agents in North Haven, and you need to price shop both so you have a total pricing picture. Some auto insurance companies don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented some good ideas how you can compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like .

When shopping online for auto insurance, don't be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at a price you can afford.