Connecticut requires car owners to maintain minimum insurance levels. Otherwise, they may be subjected to a fine as well as the suspension of their driving license. While obtaining the proper amount of insurance isn't always easy, there are many ways to lower your premiums and ensure that you have enough protection to cover damages in the event 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 offer excellent customer service, flexible payment plans and flexible policies. To save money on CT car insurance, getting a quote is the easiest and most effective way.
Auto Insurance Rates Connecticut
Connecticut's average auto insurance rates are lower than the national average. However, they may be higher if your vehicle is older or you live in an expensive area. Compare quotes from different insurance companies to find the right deal for you.
Minimum Car Insurance Required in CT
Connecticut requires all drivers to have liability insurance. Liability insurance covers any injuries or damage your vehicle may cause if you're found responsible. The state also requires uninsured/underinsured motorist (UM/UIM) coverage to protect you in the event of a crash.
Liability limits refer to the maximum amount your insurance provider will pay in case of injury or property damage in a single accident. State minimum liability limits for bodily injury to each person are $25,000 and $50,000 respectively.
For additional protection against vehicle theft and damage, you should also look into a comprehensive or collision policy. These policies may help you cover the cost of repairs or replacements if your car is damaged by an accident.
Car Insurance Discounts CT
Top car insurance companies offer discounts for new customers. These discounts are available for paying your bills in full, reducing your mileage, maintaining a clean record of driving, or purchasing a model that is newer.
Auto Insurance for Younger Drivers in CT is More Expensive
It is common for car insurance to increase when a driver becomes younger or inexperienced. This means that they will be more likely to claim than a driver with experience, and their rates will rise.
If you are under 30, you can save money by enrolling yourself in a crash prevention program or taking a course on defensive driving. In addition to saving money, these programs can also increase your insurance coverage and make you a safer driver.
Connecticut averages $1,462 per year for car insurance. This is below the national average. However, it can be affected by your driving record, your credit score, etc. Comparing quotes from different insurance companies will give you an estimate of the annual premium.