Getting Cheap West Redding Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not the only one.

Consumers have many to pick from, and although it's nice to have multiple companies, it can be more difficult to compare rates.

Don't pay full price with these discounts

Companies don't necessarily list every discount very clearly, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.

  • No Accidents - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Low Mileage Discounts - Keeping the miles down could qualify for discounted rates on garaged vehicles.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Defensive Driving Course - Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Clubs and Organizations - Participating in a qualifying organization is a good way to get lower rates when shopping for auto insurance.

A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.

The auto insurance bait and switch

Auto insurance providers like Progressive, Allstate and GEICO regularly use ads in print and on television. They all make an identical promise about savings if you move to their company. How does each company make almost identical claims? It's all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer could possibly be a mature driver, has no tickets, and drives less than 10,000 miles a year. A driver who meets those qualifications receives the best rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will be quoted more money and ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the way they do. This emphasizes why you should get a wide range of price quotes. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

Even more information can be read at the Connecticut Insurance Department website. Connecticut consumers can read industry bulletins, find disaster information, view a list of available companies, and file complaints about an insurance agent or broker.

Also read more on this online resource for auto insurance quotes in Connecticut and this list of insurance agents in West Redding.

auto insurance in West Redding

The best insurance company isn't always the cheapest

Cheaper auto insurance is possible online and also from your neighborhood West Redding agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage at the best price while still protecting your assets.