Saving On Auto Insurance In Connecticut

Connecticut consumers who want to reduce the cost of their auto insurance should contact their insurance agent or company representative about possible available discounts. Discounts vary from company to company, and not all companies have all discounts. Connecticut drivers may be able to keep their premiums down if they:

• Drive safely. Accidents and violations increase rates.
• Increase deductibles, but this should only be done if you can afford to pay the amount of the deductible in case of a loss.
• Consider dropping collision and/or comprehensive coverage on a low value car that is not financed, but be careful. This option should not be considered under any circumstances unless you can afford to repair or replace the vehicle or do without it. Also, if the car is financed, carrying collision and comprehensive coverage will probably be required by the bank or financing company and dropping the coverage would probably be an event of default.
• Think about insurance when buying a new car. High performance and luxury cars, and some other cars which experience has shown to be prone to damage or theft often have high premiums. Also, consider buying safety devices such as anti-lock brakes and passive restraint systems both to protect you and your family and to be eligible for premium discounts.
• Get good grades and take driver training since both qualify for discounts, if you are a teenager.
• Take an accident prevention course which qualifies for a discount, if you are over 62.
• Shop around. There are considerable differences in rates among companies.

More information can be found by contacting your insurance agent or the Connecticut Insurance Department.