Cheap New Haven Auto Insurance

Cheap Car Insurance in New Haven

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There is a quick way to find out if you are overpaying for your auto insurance in New Haven.

We offer quotes for you from several major car insurance companies in New Haven so you can compare rates and save with cheap car insurance in New Haven.

You can easily switch auto insurance companies if you discover that you're paying too much for your coverage in New Haven CT.

Auto Insurance in New Haven

To legally operate a motor vehicle in Connecticut, that vehicle and the driver must be covered by automobile insurance that will pay in case there is an accident.

The type of insurance that pays for another person's injuries or property damage if you are at-fault is called "liability" coverage. If you are "liable" for paying for the bills, "liability" coverage will pay those bills.

Minimum Required Auto Insurance CT

Connecticut has set minimum amounts for liability coverage required. For Bodily Injury Liability coverage, the minimum allowed is $20,000 per person in any one accident. This will pay for injuries or death.

For Bodily Injury Liability coverage to 2 or more persons in any one accident, the minimum amount of coverage allowed by law is $40,000. That figure is the most that the insurance company would pay for injuries or death.

For Property Damage Liability coverage, the minimum coverage allowed is $10,000. This will pay for damage to another person's property if you damage it with your automobile.

These figures are often referred to as 20/40/10 coverage.

Comprehensive + Collision Coverage

When a person gets a loan to buy a vehicle, the lender usually requires that the buyer obtain Comprehensive coverage and Collision coverage on the vehicle. These coverage will pay for damages to the vehicle that occur from the following scenarios:

Comprehensive - will pay for damage from theft, wind, hail, fire, flood, and vandalism.

Collision - will pay for damages to your car if you hit an object, such as a post or another vehicle.

Neither of these coverage are required by law. But it may be in your best interest to carry them.

Car Insurance Premium Factors

Several factors are involved when an insurance company figures your premium. Some of those are:

Type of Vehicle - a sports car costs more to replace or repair than a family car

Where Vehicle is Housed - if parked on the street at your residence, the likelihood of getting hit is greater

Geographic Region - areas prone to severe weather, like hail, increase risk for the company

Driving Record - any accidents, traffic tickets, or DWIs definitely affect premiums

Credit History - a person's track record of paying bills can have a bearing on costs.

Lower Your Auto Insurance Rates
in New Haven

- Increase your deductibles on comprehensive and collision coverage.

- Take all risky drivers off of your policy to help lower the premium.

- Don't purchase the type of vehicle that thieves steal most often.

- Buy a car with side air bags or other safety features.

- Don't choose to pay monthly. Fees are added.

- Ask about discounts available, such as Good Driver, Multi-Car, or Good Student.

Most Frequently Stolen Vehicles in CT for 2015
  1. 1997 Honda Accord
  2. 1998 Honda Civic
  3. 1998 Nissan Maxima
  4. 1997 Nissan Altima
  5. 2014 Toyota Camry
  6. 2000 Jeep Cherokee/Grand Cherokee
  7. 1999 Toyota Corolla
  8. 1998 Honda CR-V
  9. 2000 Dodge Caravan
 10. 2003 Acura TL

Auto Insurance Agents In New Haven:

Grand Associates
103 Grand Ave
New Haven, CT 06513

A & S Insurance
511 Orange St
New Haven, CT 06511

James Hollar Jr
2285 Whitney Ave
New Haven, CT 06518

Nationwide Insurance
103 Grand Ave #A
New Haven, CT 06513

MetLife Insurance
129 Church St Suite 820
New Haven, CT 06510

Roberto Taylor Ins
1217 Chapel St
New Haven, CT 06511

Edmonde Bernier
977 State S
New Haven, CT 06511

The General Auto Insurance
44 Main St
New Haven, CT 06513

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