Cheapest Car Insurance Connecticut

Reader’s Question:

I was talking to a car insurance company and they were offering me with a comprehensive insurance policy. I find their rates quite high. How can I get cheaper car insurance Connecticut?

Ray

Hartford, CT

You should inquire with more car insurance companies. The rule in shopping for car insurance policies is to inquire with as many car insurers as you can. Do not settle with 2-5 car insurance companies, because the more car insurance companies you talk to, the greater probability that you can get a cheaper car insurance Connecticut.

Go online and browse websites offering cheaper car insurance Connecticut. Once you get to one website, you will be asked to give your personal background, driving history, and model of your car. You will be then given a car insurance quote. Decide if the quote is cheaper than the car insurance policy that was first offered to you. If it is, contact the car insurance company and clarify the details particularly the rates and terms before purchasing. Be sure that you will not be charged with any hidden fees.

You can also ask other car owners if they know a car insurance company offering cheaper car insurance policies. Car repair shop owners are also good resources about cheap car insurance companies in your area.

Car Insurance in Connecticut

Reader’s Question:

Why is car ins Connecticut high for older citizens? My father was shocked when he received high car insurance quotes from his old car insurance provider.

Mildred

Bridgeport, CT

Car ins Connecticut can be pretty expensive for older citizens because they are considered high risk drivers. Your father may have been a skilled and defensive driver in his younger years, but there is no guarantee that he still has the same skills today. Car insurance companies in Connecticut will charge him with higher insurance premiums because of the high probability that he will get involved in a car accident one of these days.

Let’s admit it. Senior citizens no longer have the good health they once had. Your father may say that he still is a good driver, but how can he assure the insurance company that his deteriorating vision will affect this driving? Most car accidents involving older citizens resulted from the deteriorating eyesight of drivers.

Car ins Connecticut is also expensive for your father because he may have slower reflexes than before. Your father will not admit it, but he may have slower reflexes than, say, 20 years ago. There is an increased chance he will fail to step on the brakes that could lead his car colliding with another vehicle.

Auto Insurance Company Connecticut

Reader’s Question:

Kathleen of Bridgeport, Connecticut. I just had a minor accident a few weeks ago. The whole repair process was horrendous. My auto insurance company has designated body shops. Is it advisable to use their designated body shops?

Kathleen

Bridgeport, CT

Hello, Kathleen. I am familiar with the arduous routine that follows when you need to have your car fixed. After the experiencing the shock of having a road accident, you will deal with the trauma of having it repaired. First, remember that your auto insurance can not and should not force you to pick one of their designated shops. And also, check to make sure that the repair cost is not cheaper than your deductible. Otherwise, you are essentially paying for the repair.

There are benefits, though, if you go with one of their designated shops in your area (Bridgeport, CT). Insurance companies have devised this designated body shop program to lessen the inconvenience of having an insured car repaired. Studies have shown that after going through the process of having a car repaired (arranging to have the car towed, obtaining repair estimates, choosing a body shop, looking for a rental car, etc), people would usually want to change their auto insurance company. If you choose a designated repair shop, the tedious process mentioned above will be minimized if not eradicated. The object of designated repair shops is to improve customer satisfaction, so that the policy holder won’t think of cancelling the policy. Of course, the auto insurance companies get discounts from these shops. They get their discounts, you get convenience.