Best Cheap Car Insurance Quotes for Safe Drivers in Connecticut

The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, especially when you are shopping around for the cheapest car insurance for safe drivers. Let’s go over some of the things that have a considerable impact on insurance premiums, and see if you can reduce the cost of the next policy you buy.

The make and model of vehicle that needs insurance is probably the biggest factor when comparison shopping for the best cheap auto insurance for safe drivers in Connecticut. Vehicles with high performance, poor passenger safety features, or a history of substantial liability claims will cost substantially more to insure than more modest models.

The table below illustrates car insurance rates for a handful of the cheaper vehicles to insure in Connecticut.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific garaging location which can revise prices considerably.

Based upon the rates shown, we can tell that cars like the Honda CR-V, Ford Escape, Volkswagen Jetta, Jeep Wrangler, and Ford F-150 are likely to be the more affordable vehicles to insure for good drivers.

For good drivers, one of the largest things that is used by auto insurance companies to determine the price you pay for insurance is where you live in Connecticut. Areas that are more densely populated or have higher claim rates like New Haven, Bridgeport, and East Haven are more likely to pay higher prices, whereas areas that are not as densely populated tend to receive slightly lower rates.

The following table lists the higher priced cities in Connecticut for safe drivers to buy auto insurance in.

Annual rates are estimated as specific Connecticut zip code can impact premiums noticeably.

Trying to buy low-priced insurance is not most people’s favorite thing to do, and finding out which insurers offer the cheapest insurance rates for safe drivers calls for more quotes for comparison. Policy rates should be slightly less expensive than the average policy in Connecticut because of the decrease in risk that goes along with offering insurance for good drivers. Affordable insurance should be easy to buy without looking to hard.
Each auto insurer has a unique formula for filing rates in each state, so let’s take a look at the most budget-friendly insurance companies in Connecticut.

Cheapest Insurance Rates for Safe Drivers

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Utica National may have some of the best car insurance rates in Connecticut at around $1,005 per year. Travelers, Amica, USAA, and Nationwide also qualify as some of the best Connecticut car insurance companies.

In this example, if you buy coverage from USAA and switched to Travelers, you could see savings of in the neighborhood of $99. Policyholders with Nationwide may save as much as $280 a year, and State Farm insureds might reduce rates by $416 a year.

To find out how your current rates compare, click here to begin a quote or visit any of the companies below.

It’s important to note that these rates are averaged across all drivers and vehicles in Connecticut and do not take into consideration a price discount for safe drivers. So the car insurance company that can offer you the best price may not even be included in the chart above. That emphasizes why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The illustration below demonstrates how deductible levels can increase or decrease insurance premiums when getting quotes for cheap insurance for safe drivers. The data is based on a married male driver, full coverage, and no additional discounts are factored in.

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The chart above illustrates that a 40-year-old driver could lower rates by $286 a year by increasing from a $100 deductible up to a $500 deductible, or save $434 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, could save up to $960 or more just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it is a good idea to have emergency funds available to enable you to pay the extra out-of-pocket expense associated with higher deductibles.

Discounts on the best cheap auto insurance for safe drivers in Connecticut

Auto insurance companies that offer cheap quotes for safe drivers may have special discounts that can lower rates by 40% or more if you qualify for them. A list of insurance companies and their offered discounts are:

The diagram below illustrates the difference between car insurance costs with and without discounts. The premiums are based on a male driver, no accidents, no driving violations, Connecticut state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, marriage, multiple vehicle, vehicle safety, homeowner, and claim-free discounts applied. When these discounts are applied, the the amount saved on insurance for safe drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3299,2367],[‘Age 30’, 1717,1237],[‘Age 40’, 1677,1211],[‘Age 50’, 1535,1107],[‘Age 60’, 1493,1075],[‘Age 70’, 1865,1337]]);var options = {title: ‘Comparison of Insurance Rates for Safe Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Progressive, State Farm, Geico, or Allstate: Who is cheapest?

When it comes to auto insurance for good drivers in Connecticut, four companies you’ll want quotes from are Progressive, State Farm, Geico, and Allstate. The data below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that you can purchase from each one.