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Connecticut Car Insurance
The State of Connecticut (CT), known as the Constitution State, is the first state to endorse the federal constitution. A New England State, Connecticut has a population of 3.4 million residents throughout its cities such as Hartford, Danbury, Bridgeport and Stratford. The U.S. Census Bureau states that 88% of CT residents reside in urban neighborhoods. The state is located off the shores of the Long Island Sound and surrounded by several other states in the Northeast.
A serene setting, Connecticut is among the green forests, lakes and waterfalls. Connecticut is a beautiful state with a large population that enforces mandatory Connecticut car insurance and practices ‘safety’. With its Ivy League schools, historic parks and churches the roads and streets are heavily traveled every day. Each person in Connecticut should get a car insurance quote from several companies on an annual basis.
Connecticut is also known as the ‘Insurance State’. Decades before insurance was involved in maritime insurance covering ships and cargoes that sailed from the state’s ports. Today Connecticut has over 100 car insurance companies based in the state.
Connecticut Car Insurance Statistics
Statistics report that over 6,000,000 car accidents occur in the United States each year. Connecticut alone reported 71,724 auto accidents in 2006 and the number of licensed drivers increased from 2.1 million in 1979 to over 3 million in 2007. Auto accidents are the number one cause of death for teens in the United States. Connecticut imposes severe restrictions for teenagers who violate restrictions pertaining to the number of passengers allowed in a vehicle, breaking curfews or speeding. CT is the first state to enforce a 48-hours license suspension for any of the violations
All states, with the exception of New Hampshire, Florida and Wisconsin, require that every registered vehicle have Connecticut car insurance. Connecticut monitors each registered owner by requiring the company to report to the Department of Motor Vehicles (DMV) uninsured vehicles. Individuals who cancel or allow their coverage to lapse are issued a warning and fined by the DMV. The DMV can also revoke ones license and registration for not complying with this law.
Connecticut requires drivers to seek auto insurance coverage from licensed agents. The state requires drivers to have liability insurance that includes a minimum $20,000 per person and $40,000 per accident for bodily injury liability and $10,000 per accident for property damage. Though comprehensive coverage is not required, drivers with new cars would likely benefit from this coverage. Comprehensive coverage will protect the value of the car in the event of any damage to the vehicle. Electing to buy comprehensive coverage and requesting a high deductible can lower costs and reduce comprehensive coverage costs.
In today’s economy consumers are cautious and try to cut cost as much as possible, but car insurance is a necessity and a measure of saving lives, so ‘cheap’ does not mean better. Drivers in Connecticut should weigh their requirements before seeking auto insurance that will adequately cover their needs. Examine your current policy and note the changes that will more efficiently meet your needs.
Shopping for Connecticut Car Insurance
Before shopping around for the best car insurance rate and insurance company, view Connecticut requirements with the State Department of Insurance. Connecticut is a Tort state, any driver charged with fault for an accident is responsible for all medical expenses and damages that can result in a victim’s lost of wages.
Shopping for auto insurance quotes can be fast and easy with preparation. Know the risks and factors that auto insurance companies consider before providing a quote. Obtaining a recommendation on a particular Connecticut car insurance company from family and friends who have had good experiences with a reputable auto insurance company can be helpful.
Auto insurance companies consider many factors before responding to car insurance quotes. For example, age. It is reported that teens and seniors, age 62 and over are involved in more car accidents. Connecticut has a mandatory State Law (Title 38a Section 38a-683) that offers a premium discount for seniors and teens that have successfully completed a driver’s education course approved by the DMV.
The number of individuals in a household that have access to driving the family car is a factor. Each person must be included on the policy that affects the premium. Having safety devices, air bags and anti-theft devices in the car is a plus and can reduce the rate. Gender and marital status also play a role. Women are considered to be safer drivers and married couples pay fewer premiums. Auto insurance companies consider daily mileage in quoting rates; some companies provide discounts for using alternative methods, like car or vanpool. Where is the car parked? Is there garage access? Neighborhood is a factor, with respect to the percentage of high traffic or vulnerability to theft.
More than half the residents in Connecticut live in urban neighborhoods. Urban residents and those living in areas prone to environmental hazards tend to pay higher rates. It is important to check driving records for any moving violations or traffic tickets; this is also a determining factor in quoting rates. Individuals with poor credit ratings are considered at risk and tend to pay higher premiums. Maintaining a good credit standing with an car insurance company and remaining accident free provides an opportunity to get a rate reduced at the time of a policy renewal. The make and model of the vehicle matters. For example, those driving a Mercedes Benz or sports car will pay a higher rate.
Finishing Your Connecticut Car Insurance Shopping
Once it is determined which companies are of interest, begin your research, no recommended number, and search until you are satisfied. Verify each auto insurance company with the Connecticut Department of Insurance for any reported consumer complaints against the company; this will help narrow the search. Next, visit a rating website, like Standard and Poor (S P) or Fitch Ratings insurance group. Both provide, over 1000 insurance company profiles. S P uses a grading system to rate the financial strength of a company, AAA being the highest to CC the lowest. In addition to providing data on a company’s financial strength, Fitch Ratings group offers opinions on how the company operates.
When you have narrowed your search it will be quick and easy to obtain a car insurance quote online. Type your information in the appropriate boxes on the tool to receive comparative car insurance quotes from various auto insurance companies based on your input. After receiving the car insurance quotes, choose 2 or 3 companies to study further. If you have any questions or need more clarification, contact the auto insurance company by phone or email. This provides an opportunity to see how the company extends customer service.
Review the policies and procedures of the Connecticut auto insurance company you have selected. Note the efficiency of the claim service and how accessible the insurance company is for their customers. Is 24/7 telephone support provided? In the case of an accident can the auto insurance company guarantee workmanship of an auto repair service of choice? Does the company compensate the driver with a replacement vehicle should the car become totaled? Can the company guarantee a short turnaround for processing a claim? Look for hidden costs. When you are satisfied and have chosen the auto insurance company that best fits your needs, file your policy and place the insurance card in your vehicle.
So what are you waiting for? Compare cost and coverage details from the Connecticut cities of: Hartford, Bridgeport, Stamford, Norwalk, New Haven, Milford, Norwich, New London, Torrington, Waterbury, Willimantic and more.