Buy Low-Cost Southbury Auto Insurance

Scraping up a payment for overpriced auto insurance can dwindle your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Having so many online and local companies to choose from, it is hard for the average consumer to choose the most affordable car insurance company.

It's important to price shop coverage on a regular basis because prices are constantly changing. Even if you got the lowest price on your last policy you may be paying too much now. Forget all the misinformation about auto insurance because you're about to learn the tricks you need to know to find the best coverage while lowering your premiums.

Shopping for the cheapest protection in Southbury is easy if you know what you're doing. Essentially anyone who is required by state law to have auto insurance will most likely be able to cut their insurance bill. But Connecticut drivers do need to know how big insurance companies price insurance differently because it can help you find the best coverage.

Southbury Auto Insurance Prices Online

Effectively comparing auto insurance prices can take time and effort if you don't know the easiest way. You could spend your day discussing policy coverages with local insurance agents in Southbury, or you can stay home and use online quoting for quick rates.

All the larger companies are enrolled in a marketplace that enables customers to only type in their quote data once, and every company then gives them pricing based on the submitted data. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is that consumers can't choose which companies you want pricing from. So if you want to choose specific providers to request quotes from, we have a page of the cheapest auto insurance companies in Connecticut. Click to view list.

It's up to you which method you use, but ensure you are comparing apples-to-apples information with each company. If each company quotes higher or lower deductibles it will be very difficult to make an equal comparison in Southbury. Quoting even small variations in insurance coverages may result in large price differences. Just remember that comparing more company's prices gives you a better chance of getting the best price.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

Pay less if you're married - Having a wife or husband can get you a discount on your policy. It usually means you are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
Your location is important - Residing in a rural area can be a good thing when insuring your vehicles. Drivers who live in large cities have to deal with much more traffic and longer commute times. Lower population means reduced accidents as well as less vandalism and auto theft.
Liability coverage is peace of mind - Liability coverage is the protection if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
An active claims history can cost you - Car insurance companies in Connecticut award discounts to people who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.
Do you have a high stress job? - Did you know that where you work can have an impact on rates? Jobs such as judges, business owners and stock brokers are shown to have the highest rates in part from stressful work requirements and lengthy work days. On the other hand, jobs such as pilots, students and performers pay the least.
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. Some examples of claims that would be covered could be running into the backend of another car, damage caused by hail, and burglary. Deductibles for physical damage are how much you are required to spend in the event of a claim. The more the insured has to pay upfront, the bigger discount you will receive.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but less common discounts must be inquired about before you will receive the discount.

Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
Accident Waiver - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
Bundle and Save - When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
Good Student Discount - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
Club Memberships - Participating in a professional or civic organization is a good way to get lower rates on auto insurance.
Driver's Ed - Require your teen driver to complete a driver education course if it's offered in school.
No Claims - Drivers who don't have accidents pay much less as compared to frequent claim filers.
Own a Home - Owning a house in Southbury can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
Passive Restraints and Air Bags - Factory air bags or automatic seat belts can receive discounts of more than 20%.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, companies don't profit that way. But all discounts will help reduce your premiums.

For a list of companies who offer auto insurance discounts in Connecticut, click here to view.

Much more information about auto insurance in Connecticut is located on the website for the Connecticut Insurance Department. Click here for link. Connecticut consumers can get help finding coverage, view agent and company licensing information, find out which companies have the most complaints, and download brochures.

Other useful links include this site for Connecticut auto insurance information and see this list of insurance agents in Southbury.

Shop smart and save

Discount auto insurance can be purchased online in addition to many Southbury insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, don't be tempted to reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest price.