Paying for overpriced car insurance can sap your personal savings and make it impossible to make ends meet. Doing a rate analysis is a fast and free way to tighten up your finances.
Online insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with advertising and it is difficult to see past the corporate glitz and do the work needed to find the best deal.
If you have a policy now or need new coverage, you can follow these tips to cut your premiums while maintaining coverages. Finding the best rates in Beacon Falls is easy if you know what you’re doing. Connecticut vehicle owners only need an understanding of the most efficient way to compare price quotes over the internet.
Compare free Beacon Falls car insurance rate quotes
There are a lot of ways you can shop for car insurance but there is one way that is easier and takes less work. You could waste time talking about coverages with insurance companies in Beacon Falls, or you can utilize online quotes to get rates in a matter of minutes.
Most car insurance companies belong to a marketplace where prospective buyers send in one quote, and at least one company can give them a price based on the submitted data. This saves time by eliminating form submissions for each company.
To enter your information into the quoting system, click here (opens in new window).
The one disadvantage to pricing coverage this way is that you can’t choose which providers you want to price. So if you prefer to choose from a list of companies to compare prices, we have a listing of car insurance companies in Connecticut. View list of Connecticut insurance companies.
How you compare quotes is your choice, just compare nearly identical information on every price quote you get. If you are comparing differing limits it will be nearly impossible to make a fair comparison in Beacon Falls.
Why you might not save $388 a year
Connecticut drivers can’t get away from all the ads for the lowest price car insurance from the likes of Progressive, Allstate and GEICO. All the ads make an identical promise of big savings if you change your car insurance policy to them.
It sounds good, but how can they all charge you a lower premium? Just pay attention to how they say it.
Insurance providers have specific criteria for the type of driver that will most likely be profitable. For example, this type of driver might be described as between the ages of 30 and 45, has never had a claim, and drives less than 7,500 miles a year. Someone who matches those parameters receives the best auto insurance rates and as a result will probably save a lot if they switch.
Insureds who fall short of the requirements will be charged a higher premium which usually ends up with the prospect going elsewhere. The ad wording is “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can make those claims.
Different companies use different criteria so you should compare many company’s premium rates. It is impossible to guess which company will fit you best based on your risk profile.
Eight discounts for affordable car insurance quotes
Insuring your fleet can be pricey, but you might find some hidden discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but once in a while a discount must be specifically requested before you will receive the discount. If you’re not getting every credit possible, you could be paying more than you need to.
- Discount for Home Ownership – Just being a homeowner can save a few bucks because maintaining a house requires personal responsibility.
- Membership in Organizations – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on your policy.
- Drive Safe and Save – Drivers without accidents can save up to 40% or more on their than drivers with accidents.
- Telematics Data Discounts – People who choose to allow driving data submission to monitor driving patterns by installing a telematics device like Allstate’s Drivewise might see lower rates if their driving habits are good.
- Bundle and Save – If you can bundle your homeowners and auto insurance and insure them with the same company you may earn at least 10 to 15 percent or more.
- Buy New and Save – Buying a new car instead of a used car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Anti-theft System – Cars equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
One last thing about discounts, most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free car insurance policy, it just doesn’t work that way.
Companies and some of the premium reductions they offer can be found below.
- State Farm has discounts for passive restraint, safe vehicle, student away at school, multiple autos, multiple policy, and good student.
- GEICO offers discounts for emergency military deployment, multi-policy, seat belt use, good student, anti-lock brakes, air bags, and driver training.
- Progressive may offer discounts for multi-vehicle, continuous coverage, homeowner, good student, multi-policy, and online quote discount.
- 21st Century has savings for driver training, good student, early bird, theft prevention, defensive driver, and air bags.
- American Family offers discounts including multi-vehicle, Steer into Savings, air bags, good driver, and accident-free.
- The Hartford discounts include bundle, anti-theft, good student, vehicle fuel type, and defensive driver.
- AAA includes discounts for pay-in-full, AAA membership discount, anti-theft, good student, multi-policy, multi-car, and education and occupation.
If you want , ask all the companies which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders everywhere.
Compare rate quotes or from insurance agencies
A small number of people still like to get advice from a local agent and often times that is recommended Professional insurance agents can help determine the best coverages and help file insurance claims. One of the benefits of price shopping on the web is the fact that you can find lower rates and still buy from a local agent. And buying from local insurance agents is important particularly in Beacon Falls.
To help locate an agent, after submitting this quick form, your insurance coverage information gets sent to insurance agents in Beacon Falls that can give you and help you find cheaper coverage. There is no reason to find an agent on your own since price quotes are sent to your email. If you have a need to quote rates for a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.
Below are Beacon Falls insurers who can help you get comparison quotes.
Shea Insurance – 93 S Main St, Beacon Falls, CT 06403 – (203) 729-9797
Finding a good provider needs to be determined by more than just a cheap price. These are valid questions to ask:
- Do they write coverage based solely on cost?
- Do they review policy coverages at every renewal?
- Which insurance company do they prefer to write with?
- Do they offer rental car reimbursement?
- Does the agent help file claims?
After talking to the agent and getting positive responses to any questions you have as well as quotes, it’s possible that you found a company that is reputable and can properly service your car insurance policy.
Additional car insurance information can be found on the through this link. Visitors are able to find out industry alerts, learn about insurance regulations, and find disaster information.
Educate yourself about car insurance coverages
Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by car insurance companies.
Liability car insurance
Liability coverage will cover damage or injury you incur to other people or property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible. Connecticut state minimum liability requirements are 20,000/40,000/10,000 but it’s recommended drivers buy higher limits.
Uninsured and underinsured coverage
This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your vehicle.
Because many people have only the minimum liability required by law (20/40/10 in Connecticut), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.
Auto collision coverage
This coverage will pay to fix damage to your vehicle from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like damaging your car on a curb, crashing into a ditch, hitting a mailbox, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, chiropractic care, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, a broken windshield, theft and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Cheaper car insurance is a realistic goal
We’ve covered quite a bit of information on how to reduce car insurance premium rates online. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. You may be surprised to find that the lowest priced car insurance comes from the smaller companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.
Cheap car insurance is attainable on the web as well as from insurance agents, so you need to with both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers only sell coverage through local independent agencies.