Prospect Auto Insurance For Less Than You're Paying Now

Comparing Prospect auto insurance rates online can be difficult if you're new to online quotes. Don't let that stop you because there is an easy way to compare rates.

Finding affordable coverage in Prospect is quite easy. In a nutshell, everyone who has to buy auto insurance will be able to reduce their rates. Nevertheless, Connecticut vehicle owners do need to know how insurance companies determine prices and apply this information to your search.

Be sure to get all your discounts

Companies that sell car insurance don't list all available discounts very well, so we took the time to find some of the best known as well as the least known discounts you could be receiving.

Defensive Driving Course - Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
Service Members Pay Less - Being deployed with a military unit can result in better rates.
Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Pay Upfront and Save - By paying your policy upfront instead of paying each month you may reduce your total bill.
Life Insurance Discount - Larger companies have a break if you buy a life insurance policy as well.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
Paperless Signup - Certain companies give back up to $50 simply for signing online.

Consumers should know that some credits don't apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurers with the best auto insurance discounts in Connecticut, click here.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can be a lot of work if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in Prospect, or you could save time and use online quotes to get the quickest rates.

Many insurance companies belong to an insurance system that allows shoppers to submit their information once, and at least one company provides a quote for coverage. This prevents consumers from doing quote forms to each individual auto insurance company.

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

One minor caviat to using this type of system is you don't know exactly which carriers to get pricing from. So if you prefer to choose specific providers to receive pricing from, we have a listing of auto insurance companies in Connecticut. View list of Connecticut insurance companies.

Whichever method you choose, be sure to compare apples-to-apples deductibles and coverage limits on every quote. If you use different values for each quote it will be impossible to make a fair comparison in Prospect. Slightly different coverage limits may result in a large different in cost. Keep in mind that getting more free quotes provides better odds of finding better pricing.

You have some control over your rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in lower auto insurance prices.

Extra coverages can waste money - There are a lot of additional coverages that you can get tricked into buying if you aren't careful. Things like vanishing deductibles, accidental death and term life insurance are some examples. They may seem good when you first buy your policy, but if they're wasting money remove them from your policy.
How credit affects auto insurance rates - A driver's credit rating is a important factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit can use some improvement, you could pay less to insure your by improving your rating.
Car features impact rates - Owning a car with an alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
One company can mean more discounts - The majority of insurance companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare rates to ensure the best deal.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's needs are different.

For example, these questions may help highlight whether or not you may require specific advice.

Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Am I covered when pulling a rental trailer?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies have a common claim of big savings if you move to their company. But how can every company say the same thing?

All companies have a certain "appetite" for the driver that is profitable for them. For example, a profitable customer might be profiled as over the age of 50, a clean driving record, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile must pay higher rates and this can result in business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently advertise the way they do. This illustrates why drivers must get quotes from several different companies. It's not possible to predict which company will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

Cost effective auto insurance is possible on the web and also from your neighborhood Prospect agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered a lot of ways to compare auto insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a small local company.

Drivers who switch companies do it for a number of reasons such as questionable increases in premium, poor customer service, unfair underwriting practices or policy non-renewal. Regardless of your reason, choosing a new insurance company is actually quite simple.

Additional Connecticut consumer information

More tips and info about auto insurance can be found at the Connecticut Insurance Department website. Connecticut drivers can discover disciplinary actions, find out industry alerts, and view a list of available companies.

Additional helpful sites include this resource for Connecticut auto insurance prices and this link which helps you find a Prospect agent.