5 Methods to Save on Car Insurance in Guilford, CT

Purchasing the cheapest Guilford car insurance on the internet is somewhat difficult for consumers new to online price comaprisons. With so many choices of insurance companies available, how can consumers even start to compare the different rates to find the best available rates?

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. The purpose of this article is to help you learn how to get online quotes and some tips to save money. Although Connecticut car owners do need to know the way insurance companies compete online and use this information to your advantage.

How to Buy Guilford Car Insurance Online

There are several ways to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking to insurance agencies in Guilford, or you can utilize the web to accomplish the same thing much quicker.

Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote for coverage. This eliminates the need for form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is you are unable to specify which providers to get quotes from. So if you want to choose individual companies to compare rates, we put together a list of low cost car insurance companies in Connecticut. Click to view list.

Whichever way you use, make darn sure you compare the exact same coverage information for each price quote. If you use unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate in Guilford. Just a small difference in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes will enable you to find the best offered rates.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Government Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose insurance companies who offer car insurance discounts in Guilford, follow this link.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing about savings after switching to their company. How do they all make the same claim?

Different companies have a preferred profile for the driver that makes them money. For example, a driver they prefer could be a mature driver, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be quoted higher premiums which usually ends up with business going elsewhere. The ads state "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings.

This emphasizes why you need to compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there is no "perfect" insurance plan. Each situation is unique.

For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Guilford?
  • 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?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Additional information can be found on the Connecticut Insurance Department website through this link. Consumers can read industry bulletins, read enforcement actions against agents and companies, and report car insurance fraud.

Guilford car insurance comparison

Shop smart and save

Consumers change insurance companies for many reasons like high rates after DUI convictions, not issuing a premium refund, lack of trust in their agent or even an unsatisfactory settlement offer. Regardless of your reason, finding the right car insurance provider is easier than you think.

When buying insurance coverage, never reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

The cheapest car insurance can be bought from both online companies and also from your neighborhood Guilford agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.