Connecticut law requires that drivers carry minimum amounts of auto insurance or risk a fine and suspension of their license. It's not always easy to get the right amount of car insurance, but there are ways to reduce your premiums while still having enough coverage to cover any damages that may occur in an accident.
Best Car Insurance Companies in CT
These companies offer discounts for students, veterans and good drivers. They also offer discounts for homeowners. These companies are also known for their excellent customer service and flexible payments plans. To save money on CT car insurance, getting a quote is the easiest and most effective way.
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. To find the best insurance deal, you should compare quotes with several different providers.
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.
Your insurance company's liability limits determine the maximum amount they will pay to cover any injuries or property damage that you may have caused in an accident. Minimum liability limits in the state are $50,000 for all injuries and $25,000 per person.
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.
Top Discounts for Car Insurance in CT
In order to attract new customers, Connecticut's top auto insurance companies also offer different discounts. 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 is more expensive for young drivers 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 they are more likely to file a claim than an experienced driver, which increases their rates.
If you are a new driver, you may be able to lower your insurance rates by enrolling into a crash-prevention course or taking a defensive drive course. These programs are not just about saving money. They can also help increase your coverage and make you safer.
Connecticut averages $1,462 per year for car insurance. The average rate in Connecticut is $1,462. However, this can vary greatly depending on the driving record and credit score of an individual. If you compare quotes and weigh the options available, you can calculate your premium accurately.