Lower Online Westport Auto Insurance Prices With These Techniques

Finding the lowest price for Westport auto insurance is challenging if you're new to online quotes. But relax because there is an easy way to compare rates.

Locating the lowest cost coverage in Westport can be fairly easy. If you have insurance now or need new coverage, you can follow these tips to get lower rates while maximizing coverage. Connecticut vehicle owners just need to know the best way to shop for auto insurance online.

Westport Auto Insurance Quote Comparison

Most companies like Progressive, Allstate and GEICO give pricing online. Getting online quotes is pretty easy as you simply type in your coverage preferences as detailed in the form. When the form is submitted, their system will obtain credit information and your driving record and generates pricing information based on many factors.

Being able to quote online makes comparing rates easy, but the time it takes to visit several different sites and type in the same information can get tiresome after awhile. But it's very important to get many rate quotes in order to get better auto insurance pricing.

The easy way to compare rates

A quicker way to get multiple rate quotes requires only one form to obtain quotes from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you can choose any one of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you input the limits and deductibles just like they are on your policy. This ensures you will get rate comparison quotes for similar insurance coverage.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but you may find discounts that many people don't even know exist. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be manually applied before you get the savings. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Senior Discount - Mature drivers may qualify for reduced rates.
  • Distant Student - Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • Seat Belts Save more than Lives - Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Accident Free - Good drivers with no accidents pay less when compared to bad drivers.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Homeowners Savings - Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Drivers Education - Have your child successfully complete driver's ed class in school.
  • Payment Discounts - If paying your policy premium upfront instead of paying each month you can actually save on your bill.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

To see a list of insurance companies offering auto insurance discounts in Connecticut, click this link.

Different people need different coverages

When choosing coverage for your vehicles, there isn't really a one size fits all plan. Every insured's situation is different.

For instance, these questions might point out whether you will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Connecticut?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Do I pay less if my vehicle is kept in my garage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it's difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

For more Connecticut car insurance information

Much more information about auto insurance in Connecticut can be read on the Connecticut Insurance Department website. Click here for link. Connecticut drivers can download brochures, find out industry alerts, and read consumer alerts.