Easy Methods to Cut Costs on Oxford Car Insurance

Are you intimidated by the number of car insurance options in Oxford? You're not the only one! You have so many choices that it can turn into a ton of work to locate the lowest price.

If you are paying for car insurance now, you will be able to save some money using this information. Buying affordable coverage in Oxford is simple if you know the tricks. Although Connecticut car owners do need to know how insurance companies sell insurance online and take advantage of how the system works.

car insurance in Oxford

Compare Quotes for Oxford Car Insurance

Comparing car insurance rates can be a lot of work if you aren't aware of the most efficient way to do it. You can spend countless hours driving to local insurance agents in Oxford, or you could save time and use the web to get rate comparisons in just a few minutes.

The majority of car insurance companies enroll in a system that allows shoppers to send in one quote, and each company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company. To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is you don't know exactly the providers to get pricing from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of car insurance companies in Connecticut. Click here for list of insurance companies in Connecticut.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits on every quote you get. If each company quotes different deductibles it's not possible to determine which rate is truly the best in Oxford. Slightly different coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting a lower rate.

Be sure to get all your discounts

Auto insurance companies don't list all available discounts in a way that's easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving.

  • Fewer Miles Equal More Savings - Driving fewer miles can qualify you for a substantially lower rate.
  • Homeowners Discount - Owning a home in Oxford can save you money because owning a home requires personal responsibility.
  • Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Federal Government Employee - Being employed by or retired from a federal job may qualify you for a discount depending on your company.
  • Theft Prevention System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Paperless Signup - A handful of insurance companies will give a small break for buying your policy digitally online.
  • Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of insurers offering car insurance discounts in Oxford, click here.

Learn more about Connecticut car insurance

Even more information is available at the Connecticut Insurance Department website. Consumers can find disaster information, report car insurance fraud, and find out industry alerts.