If you live in the state of Connecticut and drive a motor vehicle, you need to make sure that you have a quality Connecticut car insurance policy for protection. In the state of Connecticut, there are over 70,000 car accidents each year and over 10,000 stolen vehicles each year. In order to make sure that you are protected as a driver, you need to make sure that you have an insurance company that you can count on to help you out when necessary.
There are a number of different factors to keep in mind when shopping for auto insurance in Connecticut though. What you really need to know and understand are the minimum insurance requirements for all drivers in CT. If you drive uninsured or underinsured, you run the risk of getting taken to court and sued anytime you get into an accident. Additionally, most police officers will check to make sure that you have proof of insurance anytime that you get pulled over; if you don’t you can lose driving privileges.
Minimum Connecticut Car Insurance Requirements (20/40/10)
1. $20000 bodily injury insurance (per person)
2. $40000 total bodily injury (per accident)
3. $10000 property damage insurance (per accident)
As you can see, you are required to have a fair amount of bodily injury insurance, but probably not enough to cover a severe accident. You may be wondering whether the minimal coverage is enough for most drivers in CT. Although it’s completely a judgment call on your part as to how much coverage you want, experts recommend upgrading your coverage to significantly higher bodily injury limits.
Additionally, it should be noted that having just $10K for property damage is considered a low amount. If you barely meet the minimum requirements, you should seriously consider upgrading your policy to one with more coverage. All it takes is one accident for you to be out thousands of dollars if you don’t have enough coverage.
Finding the Best Connecticut Insurance Companies
If you are looking for the best CT car insurance rates available, where can you look? Probably the easiest way to look is on the internet. In fact, you can enter your zip code right at the top of the page to get a list of leading providers in the state of CT. With that said, you may also want to do some local searches to see whether there are any quality local insurance companies that offer good deals. When it comes to getting quality coverage though, what are some factors to keep in mind?
- Rating of the insurance company
- Customer satisfaction
- Overall customer support
- Number of savings opportunities
The four factors mentioned above will help you understand what to look for in a Connecticut auto insurance company. If you like what a company has to offer, be sure to give them a phone call and learn more about the way they handle claims and whether they have full time customer support. Learn as much as you can about a company before you purchase a policy.
Connecticut Drivers: Save Cash with Insurance Discounts
Everybody knows that discounts on auto insurance are 100% necessary in order to get the best deals. If you aren’t getting discounts, chances are good that you are overpaying for your coverage. What are some common discounts that residents of CT should look for in a policy?
- Safe driver discount
- Good grades discount
- No claims discount
- Customer loyalty discount
There are hundreds of ways to save on insurance, so make sure that you contact your insurer to ask about the savings opportunities that they provide their customers. You will want to know which company offers the most ways for you to save so that you end up getting insurance for the lowest possible cost. There are a number of factors that insurers take into account when creating a price for you including: your credit score, your age, the make and model of your car, as well as
Free Connecticut Car Insurance Quotes Comparison Online
If you would like to get a free comprehensive car insurance quote in the state of Connecticut, all you have to do is enter your zip code at the top of the page and click “Start!” Our system will give your results with only the leading insurers in your area. The leaders are characterized by overall savings opportunities, customer service, as well as trustworthiness of the companies. So what are you waiting for? Get started now and find the best CT auto insurance price on the net!