Top 7 Ways to Save on Car Insurance in North Branford, CT

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other drivers in Connecticut.

Consumers have many to pick from, and although it's a good thing to be able to choose, it can be more difficult to compare rates.

Comprehensive Car Insurance Comparison in North Branford

There are several ways to get quotes and find the best price. One of the best ways to find the lowest rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method saves time by eliminating separate forms for each company you want a rate for. Taking the time to complete one form will get you price quotes from several companies.
  2. A more time consuming way to compare rate quotes requires a visit to each individual company website to complete a price quote. For examples sake, we'll assume you want rates from , and . To get each rate you have to take the time to go to each site to input your insurance information, and that's why the first method is more popular.

    To view a list of companies in North Branford, click here.

It doesn't matter which method you choose, just double check that you are using identical coverage limits with each company. If you use differing limits it will be very difficult to make an equal comparison in North Branford. Just a small difference in limits may result in a large different in cost. It's important to know that getting more free quotes helps you find better pricing.

Take advantage of discounts

Companies do not advertise all available discounts very clearly, so we researched both the well known and the harder-to-find car insurance savings.

  • Organization Discounts - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
  • Drivers Education - Cut your cost by having your teen driver enroll in driver's education if offered at their school.
  • Safety Course Discount - Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
  • Save with a New Car - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
  • Paperless Signup - A few companies may give you up to $50 just for signing your application over the internet.

It's important to note that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.

To choose insurers with discount car insurance rates in Connecticut, follow this link.

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies say the same thing that you can save if you change to their company. How does each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the driver that makes them money. For instance, a profitable customer might be between 30 and 50, has no tickets, and has great credit. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential insureds who don't qualify for these standards must pay more money which usually ends up with the customer not buying. The ads state "drivers who switch" not "people who quote" save that much. That's why insurance companies can advertise the savings. This illustrates why you need to compare many company's rates. It's just too difficult to predict the company that will give you the biggest savings.

Additional detailed information is located at the Connecticut Insurance Department website. Visitors are able to find out which companies have the most complaints, view a list of available companies, discover disciplinary actions, and view agent and company licensing information.

Other informative sites include this link for Connecticut car insurance quotes and this link which helps you find a North Branford agent.

compare North Branford car insurance rates

Shop smart and save

Lower-priced car insurance is attainable both online and also from your neighborhood North Branford agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits only to discover later that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.