10 Guaranteed Tips to Slash Car Insurance Costs in Shelton, CT

Finding affordable Shelton car insurance is always nearly impossible for beginners to comparing rates online. There are so many companies to choose from that it can be a real challenge to find the best price in Shelton.

Choosing the best insurance company for you in Shelton is easy if you know what you’re doing. If you have a current car insurance policy or are just looking to switch companies, you can use this information to find the best rates and possibly find even better coverage. Connecticut drivers just need to know the best way to compare price quotes on the web.

These ten discounts can slash car insurance rates

Companies do not list all their discounts very clearly, so we break down both the well known and the harder-to-find car insurance savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less than less cautious drivers.
  • E-sign – A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on car insurance.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.

It’s important to note that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, car insurance companies aren’t that generous.

For a list of insurers offering car insurance discounts in Connecticut, follow this link.

But I want to work with a local agent

Some people would rather buy from a local agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates and still have an agent to talk to.

Upon completion of this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents who will compete for your coverage. You won’t need to even leave your home because quoted prices will be sent to your email.

Picking an insurance company shouldn’t rely on just a cheap price. Here are some questions to ask:

  • Will your rates increase after a single accident?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Which company do they place the most coverage with?
  • How much can you save by raising your physical damage deductibles?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How long has their agency been open in Shelton?
  • If you are a high risk driver, do they have special markets for your coverage?

Listed below is a list of insurers in Shelton willing to provide rate quotes.

  • State Farm Insurance – 1 Cots St, Shelton, CT 06484 – (203) 924-8883
  • John Millo Insurance Svc – 15 Coral Dr, Shelton, CT 06484 – (203) 925-1110
  • Sinclair Insurance – 1 Greenwich Pl, Shelton, CT 06484 – (203) 225-0100
  • Allstate Insurance – 525 Bridgeport Ave, Shelton, CT 06484 – (203) 929-2018
  • Managing Agency Group Inc – 1 Enterprise Dr # 210, Shelton, CT 06484 – (203) 924-2994

To view a complete directory of insurance agents in Shelton, go to this page.

Once you have received positive feedback to any questions you have and a low price estimate, most likely you have located a company that can adequately provide car insurance. But remember, consumers can cancel your policy at any time so never feel you’re contractually obligated to your new company with no way out.

Are car insurance companies telling the truth?

Connecticut drivers can’t ignore all the ads that promise big savings by State Farm and Allstate. They all say the same thing that you’ll save big if you change to their company.

But how can every company say the same thing? It’s all in the numbers.

All companies can use profiling for the right customer that earns them a profit. For example, a desirable insured might be over the age of 40, insures multiple vehicles, and chooses high deductibles. A propective insured who meets those qualifications will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who do not match these standards will have to pay a more expensive rate and this can result in business not being written. The ads state “people who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently make those claims. Because of the profiling, drivers must compare many company’s rates. It’s impossible to know which car insurance company will fit your personal profile best.Shelton CT insurance cheap

Which insurance is the “right” coverage?

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help you determine if your situation might need professional guidance.

  • What if I total my vehicle and owe more than it’s worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my vehicle need full coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Is business equipment covered while in my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Why is insurance for a teen driver so high in Shelton?
  • I don’t drive much so do I pay less?
  • Do all my vehicles need collision coverage?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses like rehabilitation expenses, surgery and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, a broken windshield, damage from getting keyed, falling objects and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

This coverage can cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford. Connecticut state minimum liability requirements are 20,000/40,000/10,000 but drivers should carry more coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your vehicle.

Due to the fact that many Connecticut drivers carry very low liability coverage limits (Connecticut limits are 20/40/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Shelton CT insurance cheap

Collision protection

Collision insurance pays for damage to your vehicle from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

To learn more about car insurance in Connecticut

Even more information can be found at the Connecticut Insurance Department website. Connecticut drivers can learn about insurance regulations, read consumer alerts, and read enforcement actions against agents and companies.

Compare but don’t skimp

People leave their current company for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason, switching companies is less work than it seems.

In this article, we covered some good ideas how you can lower your car insurance rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with a lesser-known regional company.

Affordable car insurance is definitely available on the web and also from your neighborhood Shelton agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.