What is the Cheapest Car Insurance in Connecticut?

In Connecticut, the cheapest car insurance you buy will have to be enough to at least cover the minimum liability requirements mandated by state law. While Connecticut only requires liability the state strongly recommends purchasing higher limits and additional coverage. They have a number of insurance companies that earned an excess of $5,000,000 in premiums and maintained a relatively low complaint record. So, before you buy the cheapest car insurance in CT, consider all aspects of the insurance company first, including customer service.

Which Company?

The company that will offer you the cheapest rates is different for everyone. For you, it will be the one that meets your minimum requires, has discounts that apply to you, and has the flexibility you need. Progressive and Nationwide both write policies in the state. However, the only way to determine what they will charge you is to get a rate quote either with each company, or through a third party rate quote tool.

How Much Coverage?

The less coverage you purchase, the cheaper your policy will be. Minimum liability in Connecticut is $20,000 per person and $40,000 per accident for bodily injury and $10,000 for property damage (per accident). Optional coverage can be purchased for comprehensive, collision, uninsured motorist, underinsured motorist, and various other policies as well. From Hartford to Salem, most insurers do recommend that you buy more if you can afford to.

Insurance companies that are able to provide you with all of your insurance needs are usually the large insurance companies. Large does not always mean expensive, as sometimes their costs can be much lower than the small business. The ten largest auto insurers with the least complaints in 2008 in Connecticut are: American National Financial Group, Philadelphia Consolidated Holdings, Plymouth Rock Insurance Group, Utica National Insurance Group, Balboa Insurance Group, American Financial Group, New London County, Quincy Mutual Group, Allianz Insurance Group, and Argonaut Group. These insurance groups may be comprised of multiple insurance companies under other names. You will need to compare policies between each to see which offers you the best combination of benefits and rates.