Car Insurance Quotes | Free Car Insurance Quotes | Auto Insurance Quotes

Before you can register your car in CT, you must provide proof of insurance by means of an insurance ID card in the name of the vehicle owner(s). Therefore, before you show up to the department of Motor Vehicles, you need to make sure your insurance is in place.
Since it is mandatory to have Insurance, you might as well go about trying to get the best automobile insurance rate as possible. There is no sense in paying more than what you should. Here are a few tips on saving money on your insurance premiums:
1. If you have an older car of low value, you might want to think about getting rid of your comprehensive and/or collision coverage. On a new car, especially those that are financed or leased, the leasing/finance company requires you to carry physical damage coverage. This makes sense because they are part owner of that car until you pay off the remaining balance. However, once you’ve paid the loan off, evaluate your financial situation and the value of your car. If you find that your car’s value is an amount that you may be able to afford to replace or repair without the benefit of an insurance policy, you will definitely save money on your insurance premium if you insure it for liability coverages only. Connecticut requires liability insurance on vehicles. Property damage coverage is not state mandated.
2. If you cannot drop your physical damage coverage, consider increasing the deductibles. The higher the deductible, the less the insurance company will pay on each claim. As a result of reducing the insurance company’s exposure, you will earn a discount on your premium. Before increasing the deductibles, however, make sure that you can afford the per claim out of pocket expense. Additionally, check to see what the actual premium savings will be and make an educated decision as to which deductible is the most cost effective.