Cheapest Auto Insurance for Good Students in Connecticut

It’s impossible to miss the commercials from insurers like Nationwide, GEICO, and Liberty Mutual that say if you switch you’ll get huge savings. So you just need to pick the company with the cutest commercial, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknowns like which neighborhood you live in, what your desired deductibles are, your gender, and when you were born, that all impact the cost of your policy. This article will cover the different ways to avoid overpaying and should give you a good start in finding the cheapest insurance.

For Connecticut drivers, one of the factors that control auto insurance rates is the neighborhood you call home. Larger areas like Hartford, New Haven, and East Haven tend to have more expensive car insurance rates, whereas areas with less crime or weather claims generally benefit from lower insurance rates.

The table below sorts the most expensive places in Connecticut for good students in which to purchase auto insurance.

Prices are comparative as the garaging address in Connecticut can raise or lower rates greatly.

The vehicle to be insured is one of the primary factors when quoting the cheapest car insurance for good students in Connecticut. Vehicles with higher performance characteristics, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than more economical and safe models. The lists below showcases coverage premiums for the most affordable automobiles to buy insurance for.

Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can raise or lower rates noticeably.

Prices above based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in vehicle location which can impact coverage prices considerably.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can lower or raise prices substantially.

Finding decent, affordable car insurance is challenging, and determining which company offers the lowest-priced insurance rates for good students requires a little more work. Every insurance company uses slightly different criteria for setting rates, so we need to take a look at the lowest cost insurance companies in Connecticut.

Best Auto Insurance Prices for Students

Get a Free Quote and Save

Utica National has some of the most affordable car insurance rates in Connecticut at around $1,005 annually. Travelers, Amica, USAA, and Nationwide would also make the list of some of the most economical Connecticut insurance companies.

In the above example, if you have coverage with Amica and switched to Utica National, you might realize yearly savings of approxmiately $215. Customers with USAA may save as much as $266 a year, and Nationwide insureds might lower prices by $420 a year.

Be aware that those policy prices are averages for all insureds and vehicles and do not factor in a price discount for good students. So the car insurance company that can offer you the best price may not even be featured in the list of companies shown earlier. That illustrates why you need to compare prices as often as possible using your own individual information.

Get discount Connecticut car insurance

Insurance providers that offer the cheapest car insurance for good students in Connecticut may also provide rate discounts that can reduce rates by as much as 30% if you are eligible to receive them. Larger insurance companies and some of the discounts are outlined below.

The illustration below illustrates the difference between annual premium costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no violations or claims, Connecticut state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with paid-in-full, vehicle safety, anti-theft, passive restraint, paperless filing, and continuous coverage discounts applied. With discounts applied, the average amount saved each year on insurance for good students is 42% or $627.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 16’, 5645,4025],[‘Age 30’, 1717,1237],[‘Age 40’, 1677,1211],[‘Age 50’, 1535,1107],[‘Age 60’, 1493,1075]]);var options = {title: ‘Comparison of Insurance Rates for Good Students’,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);}

Which major car insurance company is best?

If you want the best car insurance for student drivers, four of the best places to start are Geico, State Farm, Progressive, and Allstate. All offer liability and physical damage insurance, but each one has unique features and discounts that shoppers can choose from. The data below ranks price and claims rank as well as some different options you can expect with each one.

Tips for finding low-cost auto insurance for good students

The list below shows some penny-pinching solutions that can help Connecticut drivers buy lower-cost auto insurance.

• The safer your car, the less it costs to insure
• Prevent rate increases by staying accident-free
• Serious violations like DUI or reckless driving can increase rates dramatically
• If possible, pay for small claims out-of-pocket
• Clean up your credit
• Keep rates low by shopping around frequently

That last tip is especially critical, as we emphasized in this article. Insurance prices in Connecticut vary greatly, so don’t be afraid to switch carriers if you can find a cheaper rate.

Having a favorite company is fine, but it’s not a good idea if it’s costing you several hundred dollars every year. Take a few minutes and compare prices to find cheaper car insurance for good students.