How Much is Car Insurance for Government Employees in Connecticut?

Finding decent, low-priced insurance is tough enough, and determining which company has the lowest-priced auto insurance rates for government employees requires a bit more work. Each company uses their own method to set premium rates, so let’s take a look at the most affordable auto insurance companies in Connecticut.

It’s important that readers know that Connecticut auto insurance rates are calculated based on many things that can increase the price of coverage. Simply improving your credit, getting married, or having an at-fault accident can cause premium changes that may make certain companies more affordable than competitors.

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Utica National normally has some of the best car insurance rates in Connecticut at around $995 annually. Travelers, Amica, USAA, and Nationwide also qualify as some of the best Connecticut insurance companies.

As shown above, if you are a customer of Nationwide and switched to Travelers, you could earn an annual savings of around $272. Customers with Unitrin might save as much as $393 a year, and State Farm customers might see rate reductions of $434 a year.

It’s important to note that these estimates are averaged across all drivers and vehicles and and are not figured with a rate decrease for government employees. So the auto insurance company that is best suited for you may not even be shown in the company chart above. That’s why you need to quote rates from many companies using your own driver and vehicle profiles.

The car, truck, or SUV you are buying coverage for is a large factor that determines the availablility of cheap auto insurance for government employees. Vehicles with economical engines, modern passenger safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models.

The information below showcases coverage prices for the most cost-effective automobiles to insure in Connecticut.

Data assumes married male driver age 50, 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. Rate information does not factor in specific Connecticut garaging location which can alter coverage prices greatly.

Looking at the rates, we can presume that vehicles like the Chevrolet Traverse, Honda CR-V, Ford Focus, Ford Escape, and Toyota Tacoma are likely to be the most economical vehicles to insure for state and federal workers.

Liability rates compared to full coverage

Finding cheap auto insurance for government employees in Connecticut should be important to the majority of people, and an effective way to buy cheap insurance is to only buy liability insurance. The example below illustrates the comparison of auto insurance costs when comparing full coverage to liability only. The data assumes no claims or driving citations, $100 deductibles, single marital status, and no policy discounts are applied.

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As an average, physical damage coverage costs $2,648 per year more than carrying just liability coverage. Lot’s of drivers question if it’s worth it to buy full coverage. There isn’t a written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.