8 Tricks Shown to Slash the Cost of Car Insurance Costs in Bethel

No one in their right mind cherishes buying car insurance, particularly when they are paying too much.

You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around periodically since rates are constantly changing. If you had the best rates two years ago a different company probably has better rates today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to find cheap car insurance.

The purpose of this post is to familiarize you with the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Nevertheless, Connecticut consumers do need to know the way companies market on the web.

These eight discounts can lower your rates

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but some may not be applied and must be specially asked for before you will receive the discount.

Bundle and Save - If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
Claim Free - Good drivers with no accidents pay less as compared to drivers who are more careless.
Accident Forgiveness - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
Discount for Life Insurance - Larger companies have a discount if you purchase auto and life insurance together.
Drive Less and Save - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
Sign Online - A handful of insurance companies may give you up to $50 simply for signing over the internet.
Lower Rates for Military - Having a deployed family member can result in better rates.

It's important to understand that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will bring down the cost of coverage.

Different people need different coverages

When it comes to buying coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you might need an agent's assistance.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to say the same thing of big savings if you move your coverage to them. How does each company claim to save you money?

All the different companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a desirable insured might be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay higher premiums which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That is how insurance companies can confidently state the savings.

Because of the profiling, drivers should quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Additional Connecticut consumer information

Additional car insurance information can be read on the website for the Connecticut Insurance Department located here. Visitors are able to view agent and company licensing information, find out industry alerts, read industry bulletins, and get help finding coverage.

Final considerations

When buying insurance coverage, never skimp on coverage in order to save money. In many instances, someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford.

We just covered a lot of information how to reduce car insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .