Connecticut law requires that drivers carry minimum amounts of auto insurance or risk a fine and suspension of their license. Although getting the proper insurance coverage is not always simple, there are several ways to save money and make sure you have enough to cover your damages in case of an accident.
Best Car Insurance Companies CT
These companies also provide discounts for people who are good drivers, students, veterans or homeowners. These companies are also known for their excellent customer service and flexible payments plans. Getting a quote for the right policy is a simple and effective way to save money on car insurance in CT.
Auto Insurance in CT - Rates
Connecticut's car insurance average is lower than national average. But, if you are in an area with higher costs or own a vehicle older than 10 years old, your rates may be higher. Comparing quotes from multiple insurance providers will help you find the best price for your needs.
Minimum Car Insurance Required in CT
Connecticut requires drivers have liability coverage, which pays for injuries and damages caused by the vehicle you drive if found liable. The state also requires uninsured/underinsured motorist (UM/UIM) coverage to protect you in the event of a crash.
The maximum liability limit is the amount of money that your insurance will pay you for any injury you cause and any property damage. State minimum liability limits for bodily injury to each person are $25,000 and $50,000 respectively.
A comprehensive and collision insurance policy will provide you with additional protection from theft or damage to your car. These policies will help pay for the repairs and replacements of your vehicle if it is damaged in an incident.
Car Insurance Discounts CT
The top car insurance companies in Connecticut also offer a variety of discounts to attract new customers. These discounts can include discounts for paying your bills on time, lowering your mileage, having a clean driving record, or purchasing a newer model.
Auto Insurance Rates for Younger drivers are Higher in CT
The most common reason for an increase in car insurance is that a driver's age and experience are both younger. This means that they will be more likely to claim than a driver with experience, and their rates will rise.
You can reduce your rates if you are a young driver by enrolling in crash prevention programs or a defensive driving program. These programs will not only help you save money but can also improve your driving skills and increase the coverage of your insurance.
Connecticut has an average annual rate of $1,462. It is lower than the national average but can still vary a lot depending on factors like your driving history, credit score and other factors. If you compare quotes and weigh the options available, you can calculate your premium accurately.