Best Connecticut Auto and Car Insurance Quotes

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Connecticut state car insurance minimums are as follows:
-Bodily injury of $20,000 per person and $40,000 per accident
-Property damage liability $10,000

Connecticut like most states offers uninsured motorist insurance at the same rate as bodily injury coverage (20/40). Customers who wish to not get the uninsured drivers insurance must do so in writing to there insurance companies. The same rule applies for medical payment coverage.

When purchasing automobile insurance, keep in mind that insurers recommend bodily insurance coverage of $100k per person and $300k per wreck. The at-fault driver is responsible for paying all damages, even if the damages exceeds what the at-fault driver is insured for. If you have enough insurance, you will avoid tapping into your savings to pay for a collision.

The average premium is about $2100 in Connecticut, which is higher than the national average of around $1700

Although Connecticut has to pay high auto insurance rates, there are critical factors that determine individual premiums. Most of these factors are under your direct control - others are not. Credit rate, driving record, location, and gender all play a large part in figuring out your premium payments.

Your choice of car is also key in deciding how high your insurance rates will be. A modest car with high safety ratings is much more affordable to insure than a sports car with high horsepower.

If you want to save on your premium, try raising your deductible payments. The deductible is what you pay when your insurance has to pay out on a claim. Setting your deductible at $1k will save you money on your premium after about a year or two (don’t raise your deductible unless you can afford small accident).

The best way to find affordable auto insurance is to shop online. You can compare multiple insurance company premiums by submitting your information only once. Online shopping has been proven to be the most effective method for buying and comparing auto insurance rates.