Direct Auto Insurance In Connecticut

Direct Auto Insurance Quotes Connecticut is quite cheap, but too cheap it doesn’t cover too much. Connecticut direct auto insurance laws require all drivers to both carry direct auto insurance and have minimum levels of direct auto insurance coverage in-force, that’s why you should get at least the cheapest one if you can’t not afford one a good one. However, while these direct auto insurance requirements are mandatory they are still very minimal when you consider the potential liability in the event of a car accident. For drivers who are having a hard time making ends meet, adopting at least the minimum coverage amounts until you can afford a better policy is a necessity.

According to Connecticut state law (2014) drivers are required to possess at least $20,000 of liability insurance for injuries in a car accident to one person, at least $40,000 in liability coverage for everyone injured and at least $10,000 in general property damage coverage. Note that this coverage will not cover any damages sustained by your vehicle or any injuries that you incur, so it’s best to opt for higher amounts of coverage and coverage other than liability whenever possible.

Connecticut – A Tort State

It is important for Connecticut drivers to understand that they live in a tort state. What this means is that, in the event of an accident, one driver will always be deemed at fault. The driver who is found at fault will then be responsible for any damages or injuries sustained to the other person’s vehicle or body. As such, not having the proper amounts of coverage is very dangerous. Without good coverage, you could be stuck paying someone else’s medical bills out of pocket or even facing litigation. Connecticut was a “no fault” direct auto insurance state up until 1994, meaning that direct auto insurance requirements were less stringent then, but now it’s definitely important to have high levels of coverage if you plan on driving in the state.

Direct Auto Insurance In Connecticut

What is the average Cost of Direct Auto Insurance Quotes Connecticut?

In Connecticut, the average annual direct auto insurance quotes CT is cheap even though premium is approximately $1,828. While this might sound like a lot, it is important to note that average premium rates have been slowly decreasing over the last few years. In 2012, for example, the average yearly rate was $2,011, and in 2013, the average rate was $2,136. It’s also important to note that average premium rates are just that – average rates, and are not meant to tell you what you can expect to pay for your own policy. Your premium rate will depend on many factors such as which direct auto insurance company you use, your age, your own personal driving history, the level of coverage you opt for, and the discounts for which you qualify.

Connecticut Direct Auto Insurance Quotes Discounts

Qualifying for certain direct auto insurance discounts can cause your insurance premium rates to go down significantly, no matter what your driving history. Several great discounts are offered in the state of Connecticut. Young drivers, for example, can enjoy good student discounts if they maintain a high grade point average in their studies. Others can qualify for the safety features discount by installing safety features on their vehicles, the anti-theft features discount, the good driver discount by avoiding accidents and/or ticket table offenses for a set period of time as determined by the provider, multiple policy discounts for insuring more than one vehicle through the same provider, and even hybrid car discounts for choosing to drive a vehicle with a more positive impact on the environment. You can browse your direct auto insurance quotes CT’s website to see what discounts it makes available to its customers.

Do I automatically qualify for direct auto insurance discounts?

Many people expect their direct auto insurance providers to automatically credit them for the discounts for which they qualify. Unfortunately, it usually doesn’t happen this way. A lot of direct auto insurance companies will simply not bring up or offer you the discounts you deserve unless you take the initiative of asking for them. So, don’t be afraid to ask about direct auto insurance discounts for which you qualify to your provider. Just taking the time to speak up can end up saving you a ton of money on your direct auto insurance quotes CT.

Finally, note that not all direct auto insurance companies offer the same direct auto insurance discounts. As such, if you qualify for several direct auto insurance discounts or even just one that could save you a lot of money and your provider does not honor it, it might be time to look for another provider. Fortunately, there are a lot of licensed direct auto insurance companies throughout the state, and with a little work and effort, you can find one that is better suited to your individual needs and that will save you money.