Car insurance. It’s necessary, but no one particularly enjoys hunting around for the right policy. So many options (too many?) and agencies promising you the "best deal" can be overwhelming. What does "best deal" even mean?

These tips will help you find affordable car insurance for your East Hartford, CT vehicle, while choosing just the right coverage to protect your vehicle and your family against the unknown.

Compare Quotes

You wouldn’t buy a car without shopping around first, so don’t buy insurance from the first agency who offers you a policy you can afford. Here on our website, you can instantly compare quotes from many of the top insurance companies. That kind of information once took an hour’s worth of web searches (or more time-costly phone calls!), but now you can get it in minutes, so take advantage of that resource.

Look at More than the Bottom Line

Low monthly premiums don’t necessarily equal the "best deal." Look at the specific coverages offered by each policy, including optional additional coverages like collision, uninsured motorist, or comprehensive coverage, and the amount of your deductibles. Often, higher-cost premiums go along with lower deductibles, and higher deductibles correlate with lower monthly costs.

Feel free to talk to one of our independent agents about the best deductible (and coverage) choices to make for the drivers in your family, and you’ll avoid paying more than necessary.

Understand your Policy

Before you sign on a policy, take the time to read the fine print. We know your time is precious, but this is one (admittedly monotonous) step worth taking, and it could prevent unpleasant surprises if an accident does occur. Make sure you know exactly what is and isn’t covered and familiarize yourself with any specific policy exclusions.

When you understand how premiums are determined for car insurance in CT, you can use that information to save some money the next time you need to buy or renew a car policy. We can answer all of your car insurance questions and help you save on car insurance.

Premiums are based on two main factors. The first, and most important factor, is you. What kind of insurance risk do you present to a company that sells car insurance? The second factor that you must also pay attention to is the particular auto insurance company you select.

If you have a lousy driving record and have been in more than a few accidents over the last several years, your premium is going to be higher than if you have a spotless driving record and have never had the occasion to file a claim. Knowing that, you should never attempt to conceal the fact that you received a speeding ticket last month or that you have a DUI case pending.

If you attempt to lie and deceive the insurance company in hopes of getting a lower rate, you are playing with fire. If you get into an accident and need to file a claim, your insurance company will not pay. Your policy will likely be canceled for committing a fraudulent act, and, if you can find new insurance, it will probably be two or three-times what you were paying.

If you want to save on auto insurance in CT, and do it the legal and honest way, do your part by being a responsible driver, avoiding accidents, filing fewer claims, and always paying your premiums on time. Then, use our free rate quote tool to compare rates and find the insurance company that will offer you the lowest premium.