Comparison Shop Shelton Car Insurance Prices With These Methods

Finding the most affordable Shelton car insurance online can be intimidating for people who are new to buying insurance on the web. Since there are so many companies competing online, how can you even start to compare them all to find the lowest price available?

It's important to shop coverage around on a regular basis due to the fact that insurance rates are constantly changing. Even if you got the best price a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because you're about to find out the tricks you need to know to buy cheaper car insurance.

Policy discounts you shouldn't miss

Companies don't list all their discounts in a way that's easy to find, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you aren't receiving every discount you deserve, you are throwing money away.

Sign Online - A handful of insurance companies may give you up to $50 just for signing your application digitally online.
Accident Waiver - A handful of insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
Save with a New Car - Insuring a new car is cheaper due to better safety requirements for new cars.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.

It's important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck.

Tips to Get Lower Shelton Rates

Smart consumers have a good feel for the factors that help determine the rates you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with big savings.

Being married is a good thing - Having a spouse can get you a discount on car insurance. It translates into being more mature it has been statistically shown that married drivers get in fewer accidents.
Drive less and save money - Driving more miles in a year's time the more you will pay for car insurance. Almost all companies charge to insure your cars based on their usage. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your car insurance coverage is rated on the proper vehicle usage.
Do men or women drive better? - Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. They both have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
Extra coverages can waste money - There are a ton of add-on coverages that you can buy when buying car insurance. Insurance for vanishing deductibles, towing coverage and additional equipment coverage are some examples. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
Discounts for multiple policies - Many insurance companies will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even with this discount, it's in your best interest to compare other company rates to verify if the discount is saving money.
Allowing your policy to lapse raises rates - Having an insurance coverage lapse will be a quick way to increase your car insurance rates. Not only will rates go up, but being ticketed for driving with no insurance might get you a license revocation or jail time.

Save $429 a year? Really?

Consumers in Connecticut get pounded daily by advertisements for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim that you can save after switching your coverage to them.

How can each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured might be over the age of 50, insures multiple vehicles, and has a short commute. Any driver that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher rates and this can result in the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can make the claims of big savings. Because of the profiling, drivers should compare many company's rates. You cannot predict which insurance companies will fit your personal profile best.

For more Connecticut car insurance information

Additional detailed information can be found at the Connecticut Insurance Department website. Visitors are able to get help finding coverage, file complaints about an insurance agent or broker, and learn about insurance regulations.

Best coverage at the best price

Lower-priced car insurance can be purchased both online as well as from independent agents in Shelton, and you should be comparing both to get a complete price analysis. Some insurance providers don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, it's not a good idea to skimp on coverage in order to save money. In many cases, drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find for the lowest price.

Drivers change insurance companies for any number of reasons including an unsatisfactory settlement offer, delays in paying claims, denial of a claim and even questionable increases in premium. No matter why you want to switch, switching car insurance companies is less work than it seems.