The Constitution State packs an incredible amount of beauty into a small area. From the many lovely greens to the Long Island Sound coastline to the venerable universities, it seems like every mile should be eternally preserved. And thus, residents have developed some long-standing traditions. Not every tradition, however, should be blindly followed. Connecticut insurance is a perfect example. You may be happy with your home or auto policies, but did you know that Connecticut auto insurance quotes change all the time? Based on decisions you make, changes in your life, or simply industry trends, you can almost always find lower Connecticut insurance quotes by shopping around.
Protecting Your Green
State residents know that this means something other than money. Whether you live in New Haven Green, Litchfield Green, Simsbury Green, Lebanon Green, Wethersfield Green, or an urban area, you want to protect your home. How you do so is a personal choice. Most residents choose the HO-3 special form, which provides property and liability coverage for your home and other structures on your property, but also specifically excludes some perils. Earthquake coverage isn't much of a concern in Connecticut, but did you know flood insurance isn't included in a basic homeowner policy? Once you determine the coverage you want, consider ways to find discounts. Connecticut home insurance quotes have recently averaged $762 per year for home policies, but you can save up to 10% by installing anti-theft devices like deadbolt locks and a burglar alarm. Enhancing your fire protection with smoke alarms and sprinkler systems can save you 15%.
Add a Pinch of This
Car insurance in the Nutmeg State is like the spice: start with a pinch, and add more according to personal tastes. At the least, you're required by law to buy a 20/40/10 policy: minimum bodily injury liability limits of $20,000 per injured person, up to a total of $40,000 per accident, and property damage liability coverage of $10,000. You're also required to have a minimum uninsured/underinsured driver policy of $20,000 per person and $40,000 per accident. If you get pulled over without these coverages, the fines begin at $200, and can include a six-month license suspension. After that, you coverage is up to you. Choosing a higher deductible can result in lower Connecticut insurance quotes. So can a good driving record, credit history, and insurance history. You can also change your Connecticut insurance quotes with creative choices; a 36-year-old man in Hartford, who pays $762 for an annual premium, can save $100 per driver by adding his wife to his auto policy.
Find All the Facts
Doing research is the most important part of any big decision. How much can you save by combining auto and home insurance policies? What if you add life insurance? Or business insurance? If you change jobs, or receive a Master's degree, does this affect your Connecticut insurance quotes? A free service like NetQuote.com can act as your personal Nathan Hale and gather all the covert information you need make an informed decision. You may find it convenient to let such a service do your comparison shopping in order to make sure you know all of the options. Then you can spend more time cruising to places like Bear Mountain.
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