Insider Techniques for Cheaper Greenwich Connecticut Auto Insurance

Finding lower premiums on Greenwich auto insurance can seem to be nearly impossible for people who are new to buying insurance online. Consumers have so many companies to choose from that it can quickly become a real hassle to compare prices in Greenwich.

If you have a policy now or are looking for a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Buying the cheapest auto insurance coverage in Greenwich is not that difficult. Connecticut consumers just need to know the proper way to get comparison quotes online.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Some discounts apply automatically at the time of purchase, but some may not be applied and must be inquired about before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Save over 55 – Older drivers may be able to get a small decrease in premiums.
No Charge for an Accident – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
Discount for Life Insurance – Some companies give better rates if you take out life insurance from them.
Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Air Bag Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
Sign Online – Some insurance companies will give a small break for buying your policy on their website.
Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.

Consumers should know that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.

For a list of providers with the best auto insurance discounts in Greenwich, follow this link.

Finding Auto Insurance in Greenwich

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking to agents in Greenwich, or you can stay home and use the web to maximize your effort.

Most of the best insurance companies take part in a program that allows shoppers to enter their policy data once, and every company returns a rated price. This eliminates the need for form submissions for each company.

To find out how much you can save on auto insurance click to open in new window.

The single downside to doing it this way is you cannot specify which providers to get pricing from. So if you prefer to choose individual companies to receive pricing from, we have a page of the cheapest auto insurance companies in Connecticut. Click here for list of insurance companies in Connecticut.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same information with every price quote. If each company quotes different values for each quote it will be next to impossible to determine which rate is truly the best in Greenwich.

Learn How to Lower your Rates

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

More claims means more premium – If you tend to file frequent claims, you can expect higher rates. Auto insurance companies in Connecticut provide lower rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
Pay less if you’re married – Getting married can get you a discount on auto insurance. Having a significant other is viewed as being more mature than a single person and it’s proven that married drivers get in fewer accidents.
Never let your coverage lapse – Letting your insurance expire is a sure-fire way to bump up your auto insurance costs. Not only will rates go up, getting caught without coverage might get you a license revocation or jail time.You may need to file a SR-22 with the Connecticut department of motor vehicles.
Don’t sacrifice liability coverage – Your policy’s liability coverage will protect you when you are found liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes are in accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like DUI and reckless driving.
Credit scores impact auto insurance rates – Having a bad credit score is a huge factor in determining what you pay for auto insurance. Therefore, if your credit score is lower than you’d like, you could save money insuring your by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
Teen drivers pay high rates – Young drivers in Connecticut are known to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, file fewer claims and are safer drivers.
How many coverages with the same company – The majority of insurance companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to shop around to verify if the discount is saving money.

When might I need an agent?

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

Should I buy additional glass protection?
Is my babysitter covered when using my vehicle?
Do I need to file an SR-22 for a DUI in Connecticut?
Are my tools covered if they get stolen from my vehicle?
Can I pay claims out-of-pocket if I buy high deductibles?
What if I don’t agree with a claim settlement offer?
What are the financial responsibility laws in Connecticut?
Are there companies who specialize in insuring high-risk drivers?
Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

What about my local Greenwich agents?

A small number of people just want to get advice from a local agent. Good agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is you may find better rates but also keep your business local. And supporting local agencies is important particularly in Greenwich.

Once you complete this simple form, your information is immediately sent to participating agents in Greenwich who will return price quotes to get your business. You never need to leave your house as quotes are delivered immediately to your email address. Now that’s easy!

Below is a list of insurers in Greenwich that can give you price quotes.

Allstate Insurance – 282 Railroad Ave # 2, Greenwich, CT 06830 – (203) 869-8220
Elkanah Mead Agency Inc – 87 Greenwich Ave # 2, Greenwich, CT 06830 – (203) 869-0302
Cross River Insurance Co – 20 Horseneck Ln, Greenwich, CT 06830 – (203) 861-2500
Trm Insurance – 75 Holly Hill Ln # 2, Greenwich, CT 06830 – (203) 323-1195

To view a complete directory of Greenwich insurance agents, visit this link.

Picking an provider shouldn’t rely on just the price. Some important questions to ask are:

Which members of your family are coverage by the policy?
Will their companies depreciate repairs to your car based on the mileage?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
How often do they review policy coverages?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
How many years of experience in personal lines insurance coverages do they have?
What are the financial ratings for the companies they represent?
Does the agency support the community they serve?

Once you have good answers to your questions and an acceptable price quote, you may have just found a company that meets your needs to insure your vehicles.

Save $391 a year? Really?

Connecticut drivers get pounded daily by advertisements that promise big savings by Allstate, GEICO and Progressive. They all seem to have a common claim that you can save if you move to their company.

How does each company say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and has a high credit rating. A propective insured who matches those parameters gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these standards will have to pay higher rates which leads to business not being written. Company advertisements say “people who switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

More comparisons equals lower rates

In this article, we covered many tips how you can lower your auto insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the lowest rates come from a small mutual company.

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

Budget-conscious auto insurance is definitely available on the web and with local Greenwich insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and these small insurance companies work with independent agents.

More consumer information in Connecticut

Additional information can be read on the Connecticut Insurance Department website. Click here for link. Consumers can discover disciplinary actions, find out which companies have the most complaints, and report car insurance fraud.

Additional helpful sites include III.org’s auto insurance page and this link where you can make Greenwich auto insurance comparisons.