If you own a car in Connecticut, you know that your car insurance can be a significant expense. Drivers in Connecticut pay some of the highest premiums in the country–around $1,065 annually, according to a 2013 NAIC report. Fortunately, there are some ways to lower that number. Keep reading to learn some easy ways to snag substantial discounts on your car insurance in CT.
Spruce Up Your Credit
If your have a poor credit rating, you could be paying up to 40% more for you car insurance. Most insurance companies now use credit scores to help determine the cost of a customer’s policy. To get a less expensive insurance quote, spend some time cleaning up your credit. According to experts, bettering your credit score by as little as 50 points can result in lower rates.
Take a Defensive Driving Course
Successful completion of a defensive driving course can result in insurance savings of around 10%, according to the Department of Motor Vehicles. These classes are usually given over the weekend and are relatively inexpensive. Check with your insurance agent before signing up to make sure a discounted rate is offered by your company.
Cut Down on Your Mileage
You can save a significant amount of money on your policy if you simply commit to driving less often. Most insurance companies offer discounts to drivers who keep their mileage low each year. How low? You can usually qualify if you drive less than 10,000 miles annually. Using public transportation or carpooling to work could lower your policy by 10 to 20%.
Lower Your Coverage
If you have an older car, you can dramatically reduce your insurance in CT by dropping the collision and comprehensive portion of your policy. A good rule of thumb is to switch to liability insurance when the value of your car is the same or lower than the out-of-pocket costs you’d pay in the event of an accident. To find your car’s value, look it up in the Kelley Blue Book.
Car insurance in Connecticut can be a major expense, but there are ways to cut costs. For even more discounts and ways to save, talk to the agents at RDDK Insurance or Visit Website.
