Wolcott Auto Insurance For Less Than You're Paying Now

Finding lower rates for Wolcott auto insurance is challenging for consumers not familiar with comparing rates online. People have so many choices that it can be a lot of work to locate the lowest price in Wolcott.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

Shown below are some of the factors that factor into premiums.

  • Safer occupants lowers premiums - Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
  • Special features that cut premiums - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Liability coverage is cheap - Your policy's liability coverage will protect you if a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • A lapse in coverage is a bad thing - Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.
  • Clean credit earns discounts - A driver's credit score is a large factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than those with poor credit. If your credit is low, you could save money insuring your by repairing your credit.
  • More miles equals more premium - The higher the mileage driven every year the more you'll pay to insure your vehicle. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle, because it can save money.
  • Extra add-on coverages are wasting money - There are quite a few extra bells and whistles that you can get tricked into buying if you aren't careful. Coverages like vanishing deductibles, accidental death and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.

auto insurance in Wolcott

Compare the Market for Auto Insurance in Wolcott

There are several ways you can shop for auto insurance but one way is easier and takes less work. You can spend your afternoon driving to agents in Wolcott, or you can utilize the internet to get pricing more quickly.

Most of the larger companies participate in a marketplace that allows shoppers to submit one quote, and each company provides a quote determined by their information. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only drawback to comparing rates this way is that you can't choose which providers to get pricing from. So if you want to select individual companies for rate comparison, we put together a list of low cost auto insurance companies in Connecticut. Click here to view list.

It doesn't matter which method you choose, just double check that you are using the exact same quote information on every quote you get. If your comparisons have mixed coverages it will be next to impossible to determine which rate is truly the best in Wolcott.

Be sure to get all your discounts

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so here is a list some of the best known and the more hidden auto insurance savings. If they aren't giving you every credit available, you are paying more than you should be.

  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Organization Discounts - Affiliation with certain professional organizations could qualify you for a break when buying auto insurance.
  • Military Discounts - Having a deployed family member could be rewarded with lower premiums.
  • Use Seat Belts - Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% depending on your company.

A little note about advertised discounts, most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky.

To choose insurers with discount auto insurance rates in Wolcott, follow this link.

Is there truth in advertising?

Connecticut drivers can't ignore all the ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you change your policy.

How do they all say the same thing?

Different companies can use profiling for the right customer that makes them money. An example of a profitable customer might be profiled as over the age of 40, has no tickets, and has a high credit rating. A propective insured who fits that profile receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay a higher premium which usually ends up with business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully state the savings. This illustrates why you need to get as many quotes as possible. It's not possible to predict the company that will have the lowest rates.

Even more information is available at the Connecticut Insurance Department website. Connecticut drivers can find disaster information, view a list of available companies, and find out which companies have the most complaints.

compare Wolcott auto insurance rates

Best coverage at the best price

Cheaper auto insurance can be sourced on the web in addition to many Wolcott insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

Consumers leave their current company for many reasons like delays in responding to claim requests, extreme rates for teen drivers, questionable increases in premium or even being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider is easier than you think.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.