Things You Must Know Before Finding Westport, CT Auto Insurance Online

Shopping for the most affordable Westport auto insurance over the internet is challenging for beginners to buying insurance on the web. With so many choices of insurers to choose from, how can you possibly compare them all to find the best price?

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Pricing the cheapest coverage in Westport can be fairly easy. Nevertheless, Connecticut vehicle owners should learn the way companies price insurance differently because it can help you find the best coverage.

Fast and Easy Westport Auto Insurance Quotes

Performing a rate comparison can be exhausting if you don’t utilize the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance companies in Westport, or you could save time and use the internet to quickly compare rates.

Most car insurance companies belong to an insurance system where insurance shoppers submit one quote, and every company can give them a price. This system prevents you from having to do form submissions to every company.

To find out how much you can save on auto insurance click here to start a free quote.

The only drawback to comparing rates this way is you don’t know exactly the companies to receive prices from. If you prefer to choose specific insurance companies to compare rates, we have a page of low cost auto insurance companies in Connecticut. Click here for list of insurance companies in Connecticut.

However you get your quotes, ensure you’re using exactly the same coverages for every company. If you enter differing limits it’s not possible to find the best deal in Westport. Having just a slight variation in coverage limits can mean a large discrepancy in price. Keep in mind that comparing a large number of companies provides better odds of finding a lower rate.

Educated Consumers Know How to Buy Auto Insurance Cheaper

It’s important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get lower auto insurance prices.

• Frequent auto insurance claims increase rates – If you tend to file frequent claims, you can look forward to higher rates. Insurance companies in Connecticut provide lower rates to insureds who are claim-free. Insurance coverage is intended for larger claims.
• Teen drivers pay high rates – Young drivers in Connecticut tend to be less responsible when driving so auto insurance rates are higher. Having to add a teenage driver to your auto insurance policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
• Never allow your policy to lapse – Having an insurance coverage lapse is a fast way to pay more for auto insurance. Not only will rates go up, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
• Males pay more for insurance – 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 males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
• Bundling policies can get discounts – Some insurance companies provide better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to shop around to verify if the discount is saving money. Drivers may still find better rates by buying insurance from more than one company.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t list every discount very well, so we took the time to find both well-publicized as well as the least known auto insurance savings.

• Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
• College Student – Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
• Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more than drivers with accidents.

Keep in mind that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

A little work can save a LOT of money

Drivers change insurance companies for a variety of reasons including poor customer service, being labeled a high risk driver, unfair underwriting practices and even not issuing a premium refund. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

Lower-priced auto insurance is attainable both online and also from your neighborhood Westport agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped physical damage coverage and found out when filing a claim that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford.

More resources for learning

More detailed Connecticut auto insurance information can be read at the Connecticut Insurance Department website. Connecticut consumers can discover disciplinary actions, learn about insurance regulations, and read industry bulletins.