Quite a few Connecticut residents commute five days a week. And if you're spending time on the train, or getting to work via another mode of transportation besides your car, you may be tempted to skimp on your auto policy. Despite the fact that Connecticut auto insurance is consistently more expensive than the national average, any graduate of Yale or Wesleyan can tell you it's a bad idea to overlook coverage. In fact, you find affordable Connecticut insurance quotes if you gather enough knowledge.
The Rules of the Road
In Bridgeport, the average drive time for a work day is 25 minutes. But even if you just drive your car for pleasure-to Odeta Campground on the weekend, or to tour the Lights of the World-you can expect to log some miles. The state requires every driver to purchase 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. At minimum, your Connecticut auto insurance quotes begin at these points. Remember, Connecticut is a tort state, so someone will be found at fault for causing the accident, and that driver and his/her insurance company will be responsible for all the damages.
Personalizing Your Policy
Once you start shopping for Connecticut auto insurance quotes, you'll discover pretty quickly that the Land of Steady Habits demands personal accountability. In particular, insurers will evaluate you on criteria such as your profession, education level, your credit history, and whether you own, lease, or finance your car. Essentially, they want to determine how dependable you are, which means they'll also look at whether you've been consistently insured. A 45-year-old man in Hartford who drives a 2008 Infiniti to work five days a week can expect to find Connecticut auto insurance quotes averaging $828 per year. If this same resident let his insurance lapse just over a month before, those quotes will instead average around $1,005.
It doesn't get any easier in Bridgeport. For a 36-year-old single male, a 2006 Audi, driven about 20 miles roundtrip each workday, will lead to Connecticut auto insurance quotes in the neighborhood of $752 a year. But if he ran a stop sign six months ago, he'll see that cost rise to $984. So, how can he save money? One easy way is to add his wife to his policy. By including her 2004 Toyota Camry, the couple can save as much as $100 per driver each year.
The Best Rates
Combining multiple vehicles on a single policy is just one creative way to save money in the Nutmeg State. You might consider combining your home and auto policies, which almost always results in lower Connecticut auto insurance quotes. Simple steps like installing a car alarm can also help. You can figure out how these changes affect your premium by comparing auto insurance quotes with a convenient service like NetQuotecom. However you decide to go about it, make sure you thoroughly review all the options.