How to Get Cheap East Haven Auto Insurance

Shopping for affordable East Haven auto insurance over the internet may be rather challenging for consumers new to buying insurance on the web. Because there are so many insurers available, how can consumers effectively compare the different rates to find the lowest price available?

It's important to compare rates quite often because prices are constantly changing. Just because you found the best deal on your last policy you will most likely find a better rate today. Starting right now, ignore everything you know about auto insurance because you're going to get a crash course in the only way to properly buy coverages and cut your premium.

Buying the cheapest auto insurance in East Haven is simple if you know the tricks. Essentially anyone who is required by state law to have auto insurance will most likely be able to cut their insurance bill. But Connecticut consumers do need to know how big insurance companies sell online and take advantage of how the system works.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be inquired about before you will receive the discount.

Sign Online - A few companies may give you up to $50 for buying a policy and signing up over the internet.
Senior Citizens - If you qualify as a senior citizen, you may receive better auto insurance rates.
Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
Accident Waiver - Certain companies will allow you to have one accident before your rates go up as long as you don't have any claims for a set time period.
Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Government Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down your premiums.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every insured's situation is different.

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

Does medical payments coverage apply to all occupants?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
What are the financial responsibility laws in Connecticut?
I have good health insurance, so how much medical payments coverage do I need?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to make an identical promise that you'll save big if you change to their company. How does each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured might be between 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential insureds who don't measure up to these standards will have to pay more money and ends up with the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save that much. This is how companies can advertise the savings.

Because of the profiling, you should get as many comparisons as possible. It's impossible to know which insurance companies will fit your personal profile best.

More sites with auto insurance information

Much more information about auto insurance in Connecticut is available on the Connecticut Insurance Department website. Click here for link. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, and report car insurance fraud.

Also read more on this site for Connecticut auto insurance information and see this list of insurance agents in East Haven.

Shop smart and save

Discount auto insurance can be sourced both online and also from your neighborhood East Haven agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When you buy insurance online, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price.

People leave their current company for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, lack of trust in their agent and even delays in paying claims. Regardless of your reason, switching auto insurance companies is less work than it seems.