Comparing Cheap Wilton Auto Insurance

Tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in Connecticut.

Consumers have many to pick from, and even though it's nice to be able to choose, it can be more difficult to compare rates.

It's important to compare rates before your policy renews because prices are constantly changing. If you had the best rates a few years ago there is a good chance you can find better rates now. Don't believe everything you read about auto insurance on the web, but we're going to give you some great ways to reduce your auto insurance bill.

Finding the best rates in Wilton is easy if you know what you're doing. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. But Connecticut consumers do need to know the way insurance companies market on the web.

You have some control over your rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

The list below includes some of the items auto insurance companies consider when setting your rates.

  • Discounts for multiple policies - The majority of insurers give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to ensure the best deal. Consumers may find better rates by buying insurance from more than one company.
  • No coverage gaps is important - Not having insurance is against the law and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance will get you a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with the Connecticut motor vehicle department to get your license reinstated.
  • Frequent auto insurance claims increase rates - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Connecticut award lower rates to people who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Please use or commuting - The more you drive every year the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your auto insurance policy shows the correct driver usage.
  • Pay less if you're married - Getting married actually saves money on your policy. Marriage means you're more mature than a single person and statistics show drivers who are married are more cautious.
  • Don't sacrifice liability coverage - The liability section of your policy will protect you in the event that you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply would be collision with another vehicle, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Rates may be higher depending on your occupation - Occupations like real estate brokers, business owners and financial analysts tend to have higher average rates due to stressful work requirements and lengthy work days. Conversely, occupations such as farmers, engineers and the unemployed receive lower rates.

Wilton auto insurance quote

Comparison of Auto Insurance in Wilton

All major auto insurance companies like Allstate and Progressive give prices online. This process is quite easy as you simply enter as detailed in the form. After the form is submitted, the system will obtain information on your driving record and credit history and generates pricing information based on these and other factors. This simplifies rate comparisons, but the time it takes to visit different websites and enter the same data into a form can be a bit repetitive. But it's very important to have as many quotes as possible in order to get the best price on auto insurance.

The preferred way to lower your auto insurance bill uses one form to return rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable and efficient. After sending the form, your coverage is rated and you are able to buy any one of the resulting price quotes. If you find a better price you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you input the insurance coverages just like they are on your policy. This makes sure you will have a price comparison for the exact same coverage.

Are you getting all your discounts?

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

  • Multi-policy Discount - If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • One Accident Forgiven - Certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates on your policy.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • No Accidents - Claim-free drivers pay less compared to accident-prone drivers.
  • Homeowners Pay Less - Being a homeowner can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Drivers Education - Cut your cost by having your teen driver take driver's ed class in high school.

Drivers should understand that most discount credits are not given to the entire cost. Most only cut specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

To choose providers with the best auto insurance discounts in Connecticut, click here to view.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive regularly use ads on television and other media. All the ads make an identical promise that you'll save big if you move to their company. How does each company claim to save you money? It's all in the numbers.

All companies can use profiling for the driver that makes them money. A good example of a preferred risk might be a mature driver, is a homeowner, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be charged more money and ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save that much. That's why companies can make the claims of big savings. That is why you need to compare many company's rates. It's impossible to know the company that will fit your personal profile best.

More detailed Connecticut auto insurance information can be read at the Connecticut Insurance Department website. Visitors are able to read consumer alerts, find a variety of consumer forms, download brochures, and file complaints about an insurance agent or broker.

Other informative sites include Wikipedia and this Wilton agent directory.

The best insurance company isn't always the cheapest

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Budget-conscious auto insurance is definitely available both online and also from your neighborhood Wilton agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.