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Sunday, May 13, 2007
How to Find The Best Rates on Car Insurance in Connecticut
Connecticut drivers can find the best rate on their car insurance by shopping around. However, prior to calling an insurance agent, be equipped with basic money saving information. Finding the best insurance rate can be as easy as providing the information the insurance companies want.
For example, insurance companies do not want to hear that you are buying an expensive car for your teenaged child. Understanding the mindset of the insurance company may prove to save you a bundle. Here are some tips:
1. More than one policy: If you have more than one line of coverage, insure them with the same company. Insurance companies like to spread risk. What that means is if you have a homeowners policy and an umbrella policy with one carrier, it would make sense to place your automobile policy there too. You will earn a multi-line discount. Ask each insurance company what the discount will be. If you’re in a situation where you have several companies quoting your insurance and the premiums are pretty much the same, the one willing to offer the largest multi-line discount may be the one to insure your autos.
2. People: No matter how much we like to do things on the internet, insurance is still a people business. Call and talk to your agent. One phone conversation may be enough to find out that because you are an ex military person, you are entitled to a discount. Or, because you are a member of a National Teaching Association, you may be entitled to yet a different discount. You would never know if you didn’t speak to a person.
3. Vehicle Safety Features: The newer cars are equipped with anti lock brakes, air bags, and automatic seat belts. Find out how much these are worth in premium savings before you purchase a car. If you were pondering whether or not to purchase the current model car or the older one without these features, one call to your agent may help you to decide.
For example, insurance companies do not want to hear that you are buying an expensive car for your teenaged child. Understanding the mindset of the insurance company may prove to save you a bundle. Here are some tips:
1. More than one policy: If you have more than one line of coverage, insure them with the same company. Insurance companies like to spread risk. What that means is if you have a homeowners policy and an umbrella policy with one carrier, it would make sense to place your automobile policy there too. You will earn a multi-line discount. Ask each insurance company what the discount will be. If you’re in a situation where you have several companies quoting your insurance and the premiums are pretty much the same, the one willing to offer the largest multi-line discount may be the one to insure your autos.
2. People: No matter how much we like to do things on the internet, insurance is still a people business. Call and talk to your agent. One phone conversation may be enough to find out that because you are an ex military person, you are entitled to a discount. Or, because you are a member of a National Teaching Association, you may be entitled to yet a different discount. You would never know if you didn’t speak to a person.
3. Vehicle Safety Features: The newer cars are equipped with anti lock brakes, air bags, and automatic seat belts. Find out how much these are worth in premium savings before you purchase a car. If you were pondering whether or not to purchase the current model car or the older one without these features, one call to your agent may help you to decide.
# posted by gopi @ 9:27 PM 
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