At first blush, you might think that shopping for Hartford insurance policies in the Insurance Capital of the World would be a snap. After all, with so many of the nation's top carriers HQ-ed in town, you have lots of resources at your fingertips. Chances are that many of your friends, neighbors and colleagues work in the industry, at least peripherally. Unfortunately, shopping for Hartford insurance quotes can be surprisingly taxing – even for industry professionals. After all, diverse risks bound. From drunk drivers on I-91 to theft and crime risks near Bushnell Park, Connecticuters face a multitude of perils. What's more, many Northern Connecticuters are belt-tightening. So you need good coverage at the cheapest possible rates. To that end, this article will highlight tips and strategies, so you can finish shopping and return to more fun activities, like tubing in Satan's Canyon or checking out homegrown classical music talent at U-Hart.
Pitfalls to Avoid and Tricks to Save
Penny pinchers might flirt with the idea of foregoing insurance altogether. After all, this will drop your premium down to its lowest possible rate: $0. But — if you ever experience a calamity, be it a burglary, flood, or a fender bender on I-84 in which you give an old lady whiplash — you will have to pay out of pocket for all costs and fees. When you extrapolate backwards, this may make your "$0 a month" rate inflate up to hundreds or even thousands of dollars a month. In other words, no insurance can wind up costing you way more than some insurance.
At the same time, you don't want to get excessive coverage. For instance, if you own an old Nissan Sentra from the mid 80s, and it is already scratched and dinged up, opt out of collision and/or comprehensive to save on your rates.
Exploring Discounts to Tailor Hartford Insurance Quotes
Are you an A or B student at UConn? If so, you may qualify for a good student discount. Are you are a low-mileage driver who rides your bike a lot? If so, you might qualify for a low mileage discount. Proactively qualify for better Hartford insurance rates by making small but substantial changes to your life, home, and auto. For instance, install better security systems on your car and home, take a defensive drivers course, get that credit rating up by contesting unfair line items on your credit report, and research multi-line discounts (e.g. having one carrier write both your auto and home policy).
Homing In on Hartford Insurance Quotes
NetQuote offers a free, fast, and efficient way to uncover a variety of Hartford insurance quotes. Simply fill out our online quote form and get back at least five quotes (chosen from a pool of 100 plus nationally recognized insurers). Use these quotes as fodder for an in-depth conversation with an agent or simply as a reference point for further research.