Connecticut Car Insurance Requirements, Laws, and Quotes

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The Connecticut Department of Motor Vehicles (DMV) requires all motor vehicles to have insurance if it is in use. So, if you plan to drive, make sure your car has coverage.

Getting insurance and the cost will vary according to many factors. Here, we will provide the information that will determine how much you may pay for ensuring your car.

How Insurance Rates are Determined

Insurance carriers use many factors to determine the cost you will incur for your auto. The rates will vary; nevertheless, you must get it. Otherwise, you will pay a more significant price if you are caught driving without insurance. Here is a list of factors insurance companies use to determine the cost:

  •  Age
  • Gender
  • Vehicle Type
  • Marital Status
  • Location
  • Driving Record
  • Accident History
  • Credit Score
  • Annual Mileage

Each of these factors will determine if the client is a high risk, which can cost the insurance more money, or less likely not will be. As most people find out during a sit down with an agent, the least experienced driver has a higher premium than an older and more experienced driver.

Understanding Insurance Rates

As previously mentioned, the difference between rates can be huge just because of the factors used by insurance carriers. For example, a young driver with less driving experience is more likely to get into an accident than an older and experienced driver. A less experienced driver is considered an aggressive driver. Another factor is the vehicle type and year.

Think about it; a new car will cost more for repair than an older used car due to its cost. So, new car insurance will cost more than an older used car.

Getting the Cheapest Insurance

However, you may be able to get a low car rate if you fall into one or more of these categories.  Also, because competition among carriers it is best to shop around. Here are some factors that will help you to get cheap insurance:

  • Over the age of 25
  • Married
  • Drive an old and inexpensive car
  • Have a good safety record
  • Live in a rural area
  • Have no accident
  • Clean driving record
  • Meet the low mileage standards for your state
  • Have a high credit score

Fitting in these areas will result with a lower premium. However, not every insurance provider will consider all.

Shop Around for the Best Quotes

There are plenty of insurance carriers that offer great deals. Some may offer to bundle your insurance such as auto and home. It can be a tremendous saving in the long run. However, if you need only auto insurance, then it has become easy to get quotes. Most companies will provide quotes online when you give the information. By doing it this way, you can compare the quotes you receive and get the best cost for your auto.