Tightwads Instructions on Saving on Naugatuck, CT Car Insurance

Shopping for the most affordable Naugatuck car insurance over the internet can seem to be intimidating for consumers not familiar with shopping for insurance online. With so many insurers to choose from, how can Naugatuck drivers possibly compare every one to find the best available price?

Choosing the best insurance company for you in Naugatuck is not that difficult. If you are insured now or are just looking to switch companies, you can use this information to cut your premiums while maximizing coverage. Connecticut drivers just need to know the best way to buy car insurance online.

Free Quotes for Car Insurance in Naugatuck, Connecticut

Comparing car insurance rates can be challenging if you aren’t aware of the easiest way. You could spend your day talking to local insurance agents in Naugatuck, or you could save time and use online quotes for quick rates.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes based on that data. This system prevents you from having to do repetitive form submissions for every car insurance company.

To get comparison pricing now click to open in new window.

The only drawback to pricing coverage this way is you can’t choose which insurance companies to receive prices from. So if you want to select from a list of companies to compare prices, we have a page of the cheapest car insurance companies in Connecticut. Click here for list of insurance companies in Connecticut.

It doesn’t matter which method you choose, just compare apples-to-apples coverage limits with each company. If the quotes have mixed coverages it will be very difficult to find the best deal in Naugatuck.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t list every discount very clearly, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit possible, you are paying more than you should be.

• Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
• Low Mileage Discounts – Fewer annual miles could qualify for discounted rates on garaged vehicles.
• Auto/Home Discount – If you insure your home and vehicles with the same company you will save at least 10% off all policies.
• Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
• Organization Discounts – Being a member of certain professional organizations could qualify you for a break when shopping for car insurance.
• Distant Student – Kids in college living away from home attending college and don’t have a car may be able to be covered for less.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

To see a list of insurance companies offering car insurance discounts in Connecticut, click here to view.

When should I use an insurance agent?

When buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether you will benefit from professional help.

• Is business property covered if stolen from my car?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered if I drive in a foreign country?
• Can my teen driver be rated on a liability-only vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• Why am I required to get a high-risk car insurance policy?
• What should my uninsured motorist coverage limits be in Connecticut?
• When would I need additional glass coverage?
• How high should my medical payments coverage be?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

More detailed Connecticut car insurance information can be found at the Connecticut Insurance Department website. Connecticut consumers can view a list of available companies, discover disciplinary actions, read state legal mandates and laws, and view agent and company licensing information.

Affordable insurance is out there

You just read quite a bit of information on how to reduce car insurance prices online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from a lesser-known regional company.

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, policy non-renewal, high prices or even unfair underwriting practices. Whatever your reason, finding a new car insurance company is actually quite simple.

Discount car insurance can be found from both online companies and also from your neighborhood Naugatuck agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.