5 Tips Proven to Save Money on Car Insurance Costs in Southbury Connecticut

Cutting costs on Southbury car insurance can be hard for consumers new to comparing rates online. You have so many choices that it can easily become a ton of work to find the best price in Southbury.

Finding affordable coverage in Southbury is not that difficult. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. Connecticut drivers just need to understand the proper way to compare rates over the internet.

Verify you’re getting all your discounts

Companies that sell car insurance don’t necessarily list every discount very well, so here is a list both the well known as well as the least known car insurance savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more depending on where you live.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of providers offering car insurance discounts in Southbury, click here to view.

Compare online but buy from a local Southbury agent

Some consumers just want to buy from a licensed agent and there is nothing wrong with that. Educated insurance agents can point out coverage gaps and help you file claims. The biggest benefit of comparing insurance prices online is you may find better rates and still choose a local agent.

After completing this quick form, your coverage information gets sent to companies in Southbury who will compete for your coverage. There is no reason to visit any agencies as quotes are delivered to the email address you provide.

Deciding on an insurance company shouldn’t rely on just the price. These are valid questions to ask:

  • What are the financial ratings for the companies they represent?
  • How long has their agency been in business in Southbury?
  • What insurance companies do they work with?
  • Do they regularly work with personal auto policies?
  • Is assistance available after office hours?

Shown below are agents in Southbury who can help you get comparison quotes.

  • State Farm Insurance – 385 Main St S # 1, Southbury, CT 06488 – (203) 267-3270
  • Tegeler Insurance – 77 Main St N, Southbury, CT 06488 – (203) 264-8947
  • Tegeler Insurance – 201 Playhouse Cor, Southbury, CT 06488 – (203) 264-9197
  • Allstate Insurance – 519 Heritage Vlg # 1d, Southbury, CT 06488 – (203) 264-9481

For a complete listing of licensed insurance agents in Southbury, please view this page.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-108.jpg" alt="Southbury Connecticut car insurance quote”/>

Upon receiving good answers to all your questions and an acceptable price quote, you have narrowed it down to an provider that is a good match to insure your vehicles. But keep in mind consumers can cancel your coverage for any reason so don’t assume that you’re stuck with the car insurance policy for the full term.

Educate yourself about car insurance coverages

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for liability

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as legal defense fees, medical services and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible. Connecticut state minimum liability requirements are 20,000/40,000/10,000 but drivers should carry more liability than the minimum.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, hospital visits, pain medications and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, vandalism and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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Since a lot of drivers have only the minimum liability required by law (20/40/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Additional detailed information can be read at the Connecticut Insurance Department website. Connecticut consumers can find disaster information, read enforcement actions against agents and companies, get help finding coverage, and read consumer alerts.

In conclusion

Low-cost car insurance is attainable both online in addition to many Southbury insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, policy non-renewal or even delays in paying claims. Regardless of your reason for switching companies, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.