Cheap Insurance for 4×4 Vehicles in Connecticut

Buying low-cost insurance is challenging, and figuring out which company quotes the cheapest car insurance rates for 4×4 vehicles will involve a little more work. Each insurer uses slightly different criteria to set premium rates, so first we will examine the lowest cost car insurance companies in Connecticut.

It’s important to understand that Connecticut car insurance rates are based on many factors that will increase or decrease the policy premium. Improving your credit score, buying a different vehicle, or getting a DUI can cause premium changes that can now make some companies higher when they were quite affordable.

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Utica National normally has some of the cheapest car insurance rates in Connecticut at around $975 each year. Travelers, Amica, USAA, and Nationwide also qualify as some of the cheapest Connecticut insurance companies.

As shown in the rates above, if you have coverage with USAA and switched to Utica National, you might achieve an annual premium reduction of upwards of $283. Insureds with Nationwide might save as much as $408 a year, and MetLife policyholders might see rate reductions of $589 a year.

If you would like to find cheap insurance for 4×4 vehicles in Connecticut, click here to start your custom quote or quote rates from the companies below.

Remember that these premium estimates are averaged for all drivers and vehicles and do not factor in a rate discount for 4×4 vehicles. So the auto insurance company that has the lowest price for you may not even be shown in the rate chart shown above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.

The car, truck, or SUV you are insuring is one of the main factors when trying to find cheap insurance for 4×4 vehicles in Connecticut. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost significantly more to insure than more modest models. The information below features car insurance rates for a number of the cheapest automobiles to insure.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific Connecticut garaging location which can decrease or increase coverage prices greatly.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in garaging location in Connecticut which can affect coverage prices noticeably.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in garaging location in Connecticut which can modify premiums considerably.

Get discount Connecticut insurance

Insurance providers that provide cheap insurance for 4×4 vehicles in Connecticut could also offer discounts that could lower prices by 40% or more if you meet specific eligibility requirements. A list of car insurance companies and some of the discounts are shown below.

• GEICO offers premium reductions for anti-theft, driver training, daytime running lights, multi-vehicle, anti-lock brakes, and seat belt use.
• MetLife offers discounts including defensive driver, accident-free, good student, claim-free, and multi-policy.
• Progressive includes discounts for homeowner, multi-policy, good student, online signing, online quote discount, and multi-vehicle.
• Travelers may offer discounts for IntelliDrive, good student, new car, multi-policy, home ownership, and continuous insurance.
• SAFECO may have discounts that include anti-lock brakes, bundle discounts, safe driver, drive less, anti-theft, homeowner, and teen safety rewards.
• AAA discounts include anti-theft, AAA membership discount, education and occupation, good driver, multi-policy, pay-in-full, and good student.

The illustration below shows the comparison of premium costs with and without some available policy discounts. The costs are based on a male driver, no claims, a clean driving record, Connecticut state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, homeowner, claim-free, multiple policy, marriage, and anti-theft discounts applied. When discounts are applied, the the average amount saved on car insurance for 4×4 vehicles is 28% or $450.

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How to find cheaper auto insurance for 4×4 vehicles

Below you’ll find many thrifty solutions that can help Connecticut drivers find low-cost coverage.

• Raise deductibles to save money
• Drive safely
• Do not get into accidents
• Safer vehicles generally have cheaper insurance rates
• Do not pay for full coverage on older vehicles
• Increase your credit rating
• Compare quotes from other companies often

The last tip is highly vital, as we hit on in this write-up. Coverage rates fluctuate constantly, so don’t hesitate to buy a policy from a new company if a lower price can be found.

We understand brand loyalty, but it isn’t a good idea if that inflexibility results in costing you big bucks every year. It only take a few minutes to compare prices to find cheaper auto insurance for 4×4 vehicles.