6 Tricks to Save on Car Insurance in New Haven Connecticut
Are you overwhelmed by the wide range of car insurance choices in New Haven? You're not alone. There are so many choices that it can turn into a real hassle to find the best price.
Compare the Market for Car Insurance in New Haven
There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to find the lowest rates is to get quotes online. This can be accomplished in several different ways.
The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for separate forms for each company. Completing one form will get you rate comparisons from several companies. Just one form and you're done.
A different way to get quotes online requires you to visit each individual company website and fill out their own quote form. For examples sake, let's say you want to compare rates from , and . You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular.
To view a list of companies in New Haven, click here.
However you get your quotes, compare apples-to-apples coverage information for every quote you compare. If you use unequal deductibles or liability limits it will be impossible to determine the best price in New Haven. Slightly different limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.
Save big with these six discounts
Car insurance companies don't always advertise all available discounts very well, so the following is a list of some of the more common as well as the least known discounts you could be receiving.
- Club Memberships - Belonging to a professional or civic organization may earn a discount when buying car insurance.
- Driver Safety - Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
- New Car Discount - Insuring a new car can save up to 30% compared to insuring an older model.
- Early Switch Discount - Some insurance companies reward drivers for switching to them before your current policy expires. It's a savings of about 10%.
- Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Homeowners Discount - Owning a home in New Haven can save you money due to the fact that maintaining a home demonstrates responsibility.
Keep in mind that some of the credits will not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, it just doesn't work that way.
For a list of insurers who offer car insurance discounts in Connecticut, click here.
Additional detailed information can be read at the Connecticut Insurance Department website. Consumers can find out which companies have the most complaints, discover disciplinary actions, and read enforcement actions against agents and companies.
Other useful links include this link for Connecticut car insurance quotes and this link which helps you find a New Haven agent.
Shop smart and save
Affordable car insurance can be bought from both online companies and also from your neighborhood New Haven agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.
As you prepare to switch companies, don't be tempted to reduce needed coverages to save money. In too many instances, an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Drivers change insurance companies for a number of reasons such as questionable increases in premium, delays in responding to claim requests, not issuing a premium refund and high prices. Whatever your reason, choosing a new insurance company is not as hard as you think.
