Tired of not being able to afford to pay your car insurance bill each month? You are in the same boat as the majority of other car owners in Connecticut.
Since consumers have many options when it comes to car insurance, it can be hard to find the right car insurance company.
Choosing the best insurance company for you in Meriden is not rocket science. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Nevertheless, Connecticut vehicle owners must understand how insurance companies sell online because it can help you find the best coverage.
Do you qualify for discounts?
Companies that sell car insurance don’t always advertise all available discounts very well, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.
- Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less than drivers with accidents.
- New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
- Homeowners Pay Less – Being a homeowner can help you save on car insurance because maintaining a house demonstrates responsibility.
- Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
- Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
- Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Keep in mind that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you won’t be that lucky.
What happened to insurance agents?
Certain consumers prefer to sit down with an agent and that is OK! The best thing about price shopping on the web is the fact that you can find the best rates but still work with a licensed agent.
To find an agent, once you fill out this quick form, your information is immediately sent to insurance agents in Meriden who will compete for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go to your email. How cool is that?! You can find better rates without the usual hassles of price shopping.
Choosing an insurance company shouldn’t rely on just the price. These are valid questions to ask:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Did they already check your driving record and credit reports?
- Are claims handled at the agent’s location?
- Do they carry Errors and Omissions coverage?
- Do they regularly work with personal auto policies?
Choose the right auto insurance agent
If you’re trying to find a good insurance agency, there are two types of insurance agents from which to choose. Insurance agencies in Meriden are categorized either independent (non-captive) or captive.
Captive Insurance Agents
These agents work for only one company and examples are State Farm or Allstate. They usually cannot place coverage with different providers so keep that in mind. Captive agents are well schooled on the products they sell which can be an advantage.
Below are captive insurance agents in Meriden who may provide you with price quotes.
Allstate Insurance – 862 E Main St – Meriden, CT 06450 – (203) 238-4200
Independent Insurance Agents
Independent agencies are not required to write business for one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from several independent insurance agents to get the best comparison.
Shown below are independent agents in Meriden that can give you price quote information.
Insurance Center-Central Ct – 299 S Broad St – Meriden, CT 06450 – (203) 630-3063
Edward Zavaski Agency LLC – 8 W Main St – Meriden, CT 06451 – (203) 237-2888
James F Canning Agency and Assoc – 1237 E Main St – Meriden, CT 06450 – (203) 634-4082
Bongiovanni Insurance – 97 E Main St – Meriden, CT 06450 – (203) 237-7900
To view a complete directory of car insurance agents in Meriden, view this link.
Once you have good answers to your questions and an affordable coverage quote, chances are good that you have found an insurance agent that meets your needs to provide car insurance coverage.
More detailed Connecticut car insurance information is located at the Connecticut Insurance Department website. Connecticut drivers can find out industry alerts, view agent and company licensing information, read state legal mandates and laws, and learn about specific coverages.
A little work can save a LOT of money
The cheapest car insurance can be found both online in addition to many Meriden insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. In many cases, someone dropped full coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.
We’ve covered many tips how you can compare car insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the lowest rates come from a small local company. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.