Connecticut Car Insurance
Failure to comply with the state laws in Connecticut requiring minimum limits for car insurance can lead to hefty fines, loss of driving privileges, or any of several other penalties. Drivers in the state should know that their insurance provider may inform the state of your policy cancellation as soon as an existing policy is canceled or lapses. In the state of Connecticut, drivers are responsible for damages that are caused while they are behind the wheel of the vehicle. Connecticut requires people to have a minimum amount of coverage to drive legally in the state.
Auto Insurance Requirements In Connecticut
While many states only require people to have liability insurance coverage as a minimum, Connecticut also requires that people carry an uninsured motorist coverage policy.
Requirements for liability insurance coverage in the state include a minimum amount of $20,000 per person and $40,000 per accident in bodily injury liability coverage. Outside of this, $10,000 per accident for property damage coverage is required. For uninsured or underinsured motorist coverage, $20,000 per person and $40,000 per accident is mandated. These requirements are for vehicles that are used privately, so keep in mind that specialized cars and commercial vehicles may have other insurance requirements. When it comes to special situations, take the time to do additional research.
Average Cost Of Coverage In Connecticut
Connecticut has more expensive car insurance on average than many places in the nation, but it is still possible to find better rates in comparison to the state averages. Each automobile insurance provider uses different variables to determine the rates, making comparison-shopping immensely important for drivers in the state. It is recommended to get quotes from at least three companies, but having an idea of which companies to start with is essential.
The average annual cost for automobile insurance in the state was just over $2,300. Some auto insurance providers have lower rates on average, and others have more. It is also essential to consider that the types of auto insurance plans purchased have an impact on their price. Many people choose to get additional insurance coverage, above and beyond minimum required amounts.
Cheapest Car Insurance Companies In Connecticut
Searching for the cheapest car insurance policies often starts with comparison-shopping. There are better ways, however, to know which companies to get rates from first. The tools here can assist you in not only finding the best free quotes on auto insurance but also which companies to get these quotes from. Some of the cheapest car insurance providers in Connecticut include Progressive, GEICO, Amica, Nationwide, and State Farm.
Cheapest Car Insurance In Connecticut By City
Different areas of Connecticut have different risks, and this is reflected in the average cost for insurance in Connecticut By City. The cheapest places to purchase an auto insurance plan for include Mystic, Old Saybrook, and Essex. These cities fall way below the state average for insurance, as do the towns of Avon, Groton, and Torrington.
Most Expensive Car Insurance In Connecticut By City
On the more expensive side in terms of automobile insurance are the cities of the Hartford, Bridgeport, New Haven, Hamden, and Stratford. These more populated cities have higher rates on average. Keep in mind that many variables affect automobile insurance rates, including a person’s credit history, driving record, and the vehicle they are driving. Due to this, a person may find higher or lower rates than the average in any city.
Laws, Rules, And Penalties In Connecticut
Driving without automobile insurance can be very costly. People who are driving without a valid policy can be fined up to $200 or more, and attendance at a legal hearing may be required. A person's vehicle registration and/or driver's license can be revoked or suspended at these hearings.
To avoid these penalties, verify that you have a valid insurance policy and are carrying it with you whenever you are driving. If you are pulled over by a police officer, or involved in an accident, you will be required to provide proof of insurance to the police.
In addition to the standard penalties required by law, other costs and expenses can come from driving without insurance. Drivers must pay for all of the damages they cause while driving, including property damage, medical bills, and other damages well. This can add up to a lot of money for people who are not adequately covered by a car insurance plan.
How To Save Money On Car Insurance In Connecticut
Finding the best plan for you is incredibly important. Many people appreciate saving money, and by taking a look at multiple free quotes for car insurance from numerous automobile insurance providers, you can save. Get the best prices available for car insurance here. Also, take the time to verify what auto insurance discounts you qualify for and make sure that they are all being applied to your quote.