North Haven Connecticut Auto Insurance Savings the Companies Don’t Want You to Know About

I can’t think of a single person who likes having to buy auto insurance, especially when they are paying too much. Big companies like GEICO, 21st Century and Progressive continually hit you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It is always a good idea to compare rates at least once a year because prices are constantly changing. Despite the fact that you may have had the lowest rates on your last policy you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because I’m going to teach you the fastest and easiest way to properly buy coverages and cut your premium.

These discounts can lower your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied at quote time, but a few need to be specially asked for prior to getting the savings. If they aren’t giving you every credit possible, you are throwing money away.

• Passive Restraints – Cars that have air bags can receive discounts of more than 20%.
• Sign Online – Some insurance companies may give you up to $50 simply for signing over the internet.
• Claim Free – Drivers who don’t have accidents can save substantially when compared with frequent claim filers.
• Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.
• Memberships – Affiliation with a qualifying organization could trigger savings on your policy.
• Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
• Save with a New Car – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
• Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.

It’s important to understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will bring down your premiums.

Comprehensive North Haven Auto Insurance Comparison

There are a variety of methods to compare auto insurance prices but there is one way that is easier and takes less work. You can spend countless hours talking to local insurance agents in North Haven, or you could use online quotes to maximize your effort.

Many insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and every company can provide price quotes based on that information. This eliminates the need for quote requests for every auto insurance company.

To compare rates now click here (opens in new window).

The one downside to using this type of system is you are unable to specify the providers to get pricing from. So if you want to select from a list of companies to request quotes from, we have a listing of the cheapest auto insurance companies in Connecticut. Click here to view list.

Which method you use is up to you, but make sure you use apples-to-apples coverages and limits with each company. If each company quotes different deductibles it will be next to impossible to make an equal comparison in North Haven.

What is YOUR best insurance company?

You just learned a lot of techniques to compare auto insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the best prices are with a small local company. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

While you’re price shopping online, never reduce needed coverages to save money. In many instances, an insured cut physical damage coverage only to regret that it was a big error on their part. Your strategy should be to get the best coverage possible at a price you can afford.