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Sunday, May 13, 2007
How to Save Money and Get Discount Car Insurance in Connecticut
Automobile insurance is mandatory in the state of Connecticut, so there is no way of getting around the expense of purchasing it. Whether you buy the state minimum of $20,000 bodily injury per person/$50,000 bi any one accident/ $10,000 property damage liability for one accident or choose to purchase higher limits (recommended), you will incur a cost.
To get the best rate in Connecticut, you will have to become actively involved. There are things you, as the consumer can do to lower your rate. Here are a few tips:
1. Safe driver courses: Take a safe driving course to earn a premium discount. Before you go out and take just any safe driving course, contact your insurance company and ask them for a listing of courses and schools they will accept. Some insurance companies do not recognize or accept all safety courses.
2. Good Credit: Although in the state of Connecticut, the insurance company must notify the consumer if their credit history is used as a factor in determining the car insurance rate. Good credit may earn premium discounts. Insurance companies found that people with good credit generally report fewer claims.
3. Losses: If your driving history is littered with many auto claims, your chances of getting insurance through a standard insurance company decreases and if you are successful in getting insurance, your premiums will reflect the poor claims history in the form of a higher rate.
4. Assigned Risk: If your losses are so severe and you are unable to secure insurance through a standard market, you will have to purchase your insurance through the Connecticut Auto Assigned Risk Plan. For more information regarding the Assigned Risk Plan, contact the Connecticut Department of Insurance.
5. Shop Around: The internet has made is much easier for you to find alternate automobile quotes. Make sure you contact more than one insurance company for alternate quotes before you sign on the dotted line.
To get the best rate in Connecticut, you will have to become actively involved. There are things you, as the consumer can do to lower your rate. Here are a few tips:
1. Safe driver courses: Take a safe driving course to earn a premium discount. Before you go out and take just any safe driving course, contact your insurance company and ask them for a listing of courses and schools they will accept. Some insurance companies do not recognize or accept all safety courses.
2. Good Credit: Although in the state of Connecticut, the insurance company must notify the consumer if their credit history is used as a factor in determining the car insurance rate. Good credit may earn premium discounts. Insurance companies found that people with good credit generally report fewer claims.
3. Losses: If your driving history is littered with many auto claims, your chances of getting insurance through a standard insurance company decreases and if you are successful in getting insurance, your premiums will reflect the poor claims history in the form of a higher rate.
4. Assigned Risk: If your losses are so severe and you are unable to secure insurance through a standard market, you will have to purchase your insurance through the Connecticut Auto Assigned Risk Plan. For more information regarding the Assigned Risk Plan, contact the Connecticut Department of Insurance.
5. Shop Around: The internet has made is much easier for you to find alternate automobile quotes. Make sure you contact more than one insurance company for alternate quotes before you sign on the dotted line.
# posted by gopi @ 9:28 PM 
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