Uncover Proven Ways to Save on Meriden Connecticut Car Insurance

Paying for high-priced car insurance can drain your savings account and make it impossible to make ends meet. Comparison shopping is a great way to tighten up your finances.

You have so many car insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more challenging to adequately compare rates.

You should make it a habit to check car insurance prices periodically because rates trend upward over time. Just because you had the best price a couple years back there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re about to learn the best way to find great coverage at a great price.

Cheap Meriden Car Insurance Comparisons

All major car insurance companies provide coverage prices directly from their websites. Getting quotes is fairly simple as you simply type in your personal and coverage information as detailed in the form. Once entered, the system automatically orders information on your driving record and credit history and gives you a price quote based on many factors. Online price quotes makes comparing rates easy, but the work required to visit different websites and enter the same data into a form gets old quite quickly. But it’s very important to compare as many rates as possible in order to get the lowest car insurance rates.

The better way to compare rates

The quickest way to lower your car insurance bill makes use of a single form to obtain quotes from several companies at one time. The form is fast, reduces the work, and makes online shopping a lot less work. After sending your information, your coverage is rated and you are able to buy your choice of the quotes that you receive. If a lower price is quoted, you can click and sign and purchase the new policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-45.jpg" alt="Meriden Connecticut car insurance“/>

To get comparison pricing now, click here and enter your information. If you have coverage now, it’s recommended you duplicate coverages and limits as shown on your current policy. This makes sure you will get rate quotes for the exact same coverage.

Discounts are great for lower rates

Companies offering auto insurance do not list all available discounts very well, so here is a list both the well known as well as the least known car insurance savings.

  • Homeowners Pay Less – Owning a house in Meriden may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • One Accident Forgiven – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less than their less cautious counterparts.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Multi-policy Discount – If you have multiple policies with one company you may save approximately 10% to 15%.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

What determines how much you pay?

It’s important that you understand the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in better car insurance rates.

  • Theft deterrents lower rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Don’t buy coverages you don’t need – There are a lot of add-on coverages that you can buy on your policy. Coverages like rental car reimbursement, towing coverage and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • How your age affects price – More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers are statistically proven to be less responsible when driving and because of this, their car insurance rates are much higher.
  • Your car insurance rates can be influenced by your job – Occupations like doctors, architects and financial analysts are shown to have higher average rates due to stressful work requirements and long work hours. Conversely, jobs such as farmers, engineers and the unemployed pay the least.
  • Bundling policies can get discounts – Some insurers will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to verify if the discount is saving money. Drivers may still find better rates by buying car insurance from a different company.
  • Sex matters – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents in similar numbers, but the male of the species cause more damage. Men also tend to get more serious tickets like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Small claims can cost you – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies in Connecticut give better rates to drivers who are claim-free. Car insurance is meant to be used in the event of the large, substantial claims.
  • Low deductibles can be expensive – Your deductibles represent how much money you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The more expense the insured has to pay upfront, the less your car insurance will be.

You may need specialized coverage

When buying coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Do I qualify for additional discounts?
  • Do I need higher deductibles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Meriden Connecticut car insurance

More detailed Connecticut car insurance information can be read at the Connecticut Insurance Department website. Connecticut consumers can report car insurance fraud, learn about insurance regulations, and learn about specific coverages.

Smart consumers save more

The cheapest car insurance is possible both online and with local Meriden insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Throughout this article, we presented a lot of tips how to save on car insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. They may often insure only within specific states and give getter rates compared to the large companies like Progressive or GEICO.