Are you intimidated by the sheer number of car insurance options in Wilton? You’re not the only one! You have so many options available that it can be a lot of work to locate the lowest price.
It’s a great practice to shop coverage around yearly because prices are constantly changing. Despite the fact that you may have had the best deal last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to find better coverage at a better price.
Wilton Car Insurance Comparisons
Reducing your insurance rates isn’t really that difficult. The only requirement is to invest a little time getting comparison quotes from different insurance companies. This can be accomplished in several different ways.
- The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate forms to each individual car insurance company. A single form will get you rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.
- A harder way to get quotes online requires you to visit each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want rates from Nationwide, Progressive and Travelers. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.
To view a list of companies in Wilton, click here.
Whichever method you choose, make sure you use identical coverages with every price quote. If you use different deductibles it will be impossible to decipher which rate is best in Wilton.
Save big with these ten discounts
Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find car insurance savings. If they aren’t giving you every credit available, you are throwing money away.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
- Homeowners Discount – Owning a home in Wilton may earn you a small savings because maintaining a house is proof that your finances are in order.
- College Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
- Multiple Cars – Insuring all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
- No Accidents – Claim-free drivers pay less when compared with frequent claim filers.
- Sign Online – Certain companies may give you up to $50 just for signing your application online.
- Driver Safety – Taking part in a defensive driving course could save 5% or more if you qualify.
- One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
- Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.
It’s important to note that many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.
To see a list of companies offering car insurance discounts in Wilton, click here to view.
But I don’t know anything about car insurance
When it comes to buying coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.
These are some specific questions can help discover whether you may require specific advice.
- Am I covered when using my vehicle for business?
- Are there companies who specialize in insuring high-risk drivers?
- Do I need motorclub coverage?
- When do I need to add a new car to my policy?
- Do I need added coverage for expensive stereo equipment?
- Does liability extend to a camper or trailer?
- I don’t drive much so do I pay less?
- Am I covered when pulling a rental trailer?
If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Car insurance 101
Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.
Liability auto insurance
This coverage will cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against claims like attorney fees, repair costs for stationary objects, legal defense fees, structural damage and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible. Connecticut state law requires minimum liability limits of 20,000/40,000/10,000 but it’s recommended drivers buy higher limits.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as hospital visits, dental work, ambulance fees and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
This coverage pays for damage to your vehicle from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as vandalism, hail damage, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required (20/40/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Some additional reading
Even more information can be read at the Connecticut Insurance Department website. Visitors are able to find disaster information, file complaints about an insurance agent or broker, view agent and company licensing information, and learn about specific coverages.