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Car Insurance
Essex Village CT
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(888) 291-7830
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
Connecticut is one of the most expensive states in the US for car insurance, with annual premiums as high as $2,400. This is largely due to Connecticut’s strict liability laws and its close proximity to New York City, which leads to higher rates of traffic congestion. Connecticut also has a large number of uninsured drivers, which can increase the cost of insurance for everyone. Essex Village drivers should shop around to find the best rates and consider raising their deductible to reduce premiums. Additionally, carpooling or taking public transportation, when possible, can help Connecticut drivers save money on auto insurance.
The Connecticut Insurance Department also recommends that Essex Village drivers look for discounts and bundling options when shopping for car insurance to help reduce their premiums. Drivers with a clean driving record may also qualify for reduced rates, so it is always important to maintain a good driving record. Overall, Connecticut drivers should take the time to shop around and compare different auto insurance companies and policies to find the best rates. With a little research, Connecticut drivers can save money on car insurance and protect their vehicles.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,419 |
| 20 Years | $2,146 |
| 30 Years | $1,653 |
| 40 Years | $1,590 |
| 50 Years | $1,473 |
| 60 Years | $1,493 |
| 70 Years | $1,738 |
Connecticut residents under the age of 25 typically have higher car insurance rates than their older counterparts. This is due to the increased risk associated with younger drivers. Connecticut law mandates that young drivers must carry liability coverage of at least $25,000 for bodily injury and $50,000 for property damage in order to legally drive a vehicle in Essex Village.
Young Essex Village drivers should also consider enrolling in a defensive driving course and maintaining a good credit score to get lower auto insurance premiums. Drivers over the age of 25 with a clean driving record may be eligible for discounts on their Connecticut auto insurance premiums. Additionally, Connecticut drivers 50 years of age or older may be able to receive discounts by taking part in certain driver safety classes or programs such as AARP’s Driver Safety Program.
In Connecticut, Auto insurance rates are affected by a number of factors including the driver's age, driving record, credit score, and type of vehicle owned. Essex Village drivers should shop around to find the best rates for auto insurance and consider raising their deductible to reduce premiums. Additionally, Connecticut residents over 50 may be eligible for discounts on auto insurance by taking a defensive driving course or enrolling in AARP’s Driver Safety Program. Ultimately, Connecticut drivers have several options available to them to help save money on car insurance and protect their vehicles.
|
| Travelers | Progressive | American Family | Farmers | Nationwide |
| NAIC Market Share | 1.94% | 12.25% | 2.28% | 4.16% | 2.47% |
| S&P Global Ratings | A | A | A | A | A |
| Average Full Coverage Yearly Premium | $1,294 | $1,400 | $1,418 | $1,709 | $1,891 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 4 stars | 5 stars |
|
| Travelers | Progressive | American Family | Farmers | Nationwide |
| NAIC Market Share | 1.94% | 12.25% | 2.28% | 4.16% | 2.47% |
| S&P Global Ratings | A | A | A | A | A |
| Average Full Coverage Yearly Premium | $1,294 | $1,400 | $1,418 | $1,709 | $1,891 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 4 stars | 5 stars |
|
| Travelers | Progressive | American Family | Farmers | Nationwide |
| NAIC Market Share | 1.94% | 12.25% | 2.28% | 4.16% | 2.47% |
| S&P Global Ratings | A | A | A | A | A |
| Average Full Coverage Yearly Premium | $1,294 | $1,400 | $1,418 | $1,709 | $1,891 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 4 stars | 5 stars |
26 Pratt St, Essex, CT 06426
(860) 767-3100
http://www.welchstandishinsurance.com/
46 Plains Rd, Essex, CT 06426
(860) 767-0084
https://www.matherandpitts.com/
13 Fox Hollow Rd, Old Saybrook, CT 06475
(860) 767-7333
http://reedinsurancellc.com/
40 Wisconsin Ave, Norwich, CT 06360
(617) 701-7227
https://www.cheapcarinsurance.net/
153 East St, New Haven, CT 06511
(617) 671-0181
https://www.cheapcarinsurance.net/
55 Myrtle St, New Britain, CT 06051
(860) 826-7316
https://www.progressive.com/agent/find-an-agent/
Connecticut has a number of reputable car insurance companies offering a variety of options and discounts. When shopping for auto insurance, Essex Village drivers should compare the different companies’ offerings to determine which one is best suited to their needs. Some of the most popular Connecticut auto insurance companies include Liberty Mutual, GEICO, Progressive, and Allstate. Connecticut drivers can also use online comparison tools such as Insurify or Compare.com to easily compare rates and coverage from multiple providers at once.
Ultimately, Essex Village drivers have many options available when it comes to choosing an automobile insurance provider in Connecticut. By doing their research and comparing quotes from various insurers, Connecticut residents can find affordable coverage that meets their needs and budget requirements.
Comparing Auto Insurance Quotes Connecticut drivers can save money on auto insurance by comparing quotes from different insurers. Essex Village drivers should make sure to compare rates for all coverages including liability, collision and comprehensive coverage, as well as any optional coverages such as rental car reimbursement or roadside assistance. Connecticut residents should also consider factors such as customer service ratings, financial strength ratings and discounts when comparing auto insurance quotes.
Essex Village drivers have several options available to them to help save money on car insurance and protect their vehicles. By doing their research and comparing multiple auto insurance quotes, Connecticut drivers can find the best rates for the coverage they need. With a little time and effort, Connecticut drivers can get the right coverage at an affordable price.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $4807 | $996 |
| Reckless Driving | $4316 | $984 |
| Wrong Way/Wrong Lane | $4151 | $932 |
| Driving on Sus. License | $3674 | $918 |
| Illegal Turn | $3664 | $918 |
| Failure to Obey Traffic Sign | $3414 | $881 |
| Speeding over 15 | $3372 | $845 |
| Defective Equipment | $2992 | $819 |
| Speeding under 15 | $2975 | $729 |
Connecticut law requires drivers to maintain liability insurance coverage in order to legally drive a vehicle. Connecticut drivers who have moving violations on their driving records may be subject to increased premiums or even cancellation of their policies. Essex Village drivers should take steps to limit the risk associated with their driving record, such as avoiding distracted driving and obeying all traffic laws, in order to keep their auto insurance premium costs low.
Conclusion Connecticut drivers can save money on car insurance by shopping around for the best rates and taking advantage of discounts available through various providers. Essex Village residents over 50 may also be eligible for discounts on auto insurance by taking part in certain driver safety classes or programs such as AARP’s Driver Safety Program. By comparing quotes from different insurers, Connecticut drivers can find an affordable policy that meets their needs and budget. Connecticut drivers should take steps to protect their driving record by avoiding distractions, obeying traffic laws, and practicing safe driving in order to keep premium costs low.
The Connecticut Department of Insurance provides resources for Essex Village drivers who are shopping for auto insurance or looking for information about coverage options available in the state. Connecticut residents can also contact their local agents or the Connecticut Insurance Commission with any questions they may have about auto insurance in Connecticut. With a little research and effort, Connecticut drivers can save money on car insurance and get the right coverage at an affordable price.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1576 |
| Below Fair | $2441 |
| Poor | $2636 |
| Worst | $2935 |
Yes, Connecticut insurance companies use credit score when determining the premium rate for Connecticut drivers. A Essex Village driver’s credit score can have an impact on their auto insurance rates because it is used to determine an individual’s level of responsibility and risk. Drivers with higher credit scores are perceived as being more responsible, thus resulting in lower premiums. Connecticut drivers with lower credit scores may be charged higher rates due to the higher risk they represent to insurers. Connecticut residents should check their credit reports regularly in order to ensure they are getting the best possible rate on their car insurance policies. Connecticut-based insurers also offer discounts for good driving records, so maintaining a clean record will help keep your premiums low.
When Essex Village drivers are shopping for auto insurance, they should also remember to factor in the total monthly cost of their vehicle. Connecticut residents should consider not just the premium amount but other costs associated with owning and maintaining a car including gas, maintenance and repairs. Connecticut drivers can save money by doing research on the best ways to keep their car running efficiently and safely. By considering all these factors, Connecticut drivers can make sure they’re getting the most affordable coverage for their needs. Connecticut residents should also take advantage of discounts offered by various companies such as good student discounts or multi-car discounts. These discounts can help Connecticut drivers save even more money on their auto insurance policies.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
When Connecticut drivers are shopping for car insurance, they should consider whether or not to purchase full coverage or liability only. Full coverage provides Essex Village drivers with the protection of collision and comprehensive coverage which covers the cost of repair or replacement of their vehicle in case of an accident. Connecticut residents may also want to add additional coverages such as rental reimbursement and roadside assistance for added protection. On the other hand, liability-only Connecticut auto insurance is a more economical option that provides Connecticut drivers with basic legal financial protection against third party claims resulting from accidents they cause but does not provide any coverage for repairing or replacing the driver’s own car. Connecticut drivers should take into consideration their individual needs when deciding between full coverage and liability only insurance in Connecticut.
Essex Village drivers must meet certain auto insurance minimums as required by Connecticut state law. For Connecticut drivers, the liability coverage is mandatory and includes bodily injury liability of $25,000 per person, up to $50,000 per accident; property damage liability of $25,000 per accident; and uninsured motorist bodily injury coverage of $25,000 per person and up to $50,000 per accident. Connecticut residents should make sure they have these coverages in place before driving in the state. Connecticut drivers who are unsure if they have adequate coverage can contact their local Connecticut agent or reach out to the Connecticut Insurance Department for more information. With a little research and effort Connecticut drivers can save money on car insurance and get the coverage they need. Connecticut's insurance laws are designed to protect drivers and their families, so Connecticut residents should make sure they have the right amount of coverage for their specific needs.
Connecticut drivers who do not own their own car can purchase non-owner auto insurance. Non-owner Connecticut car insurance provides Essex Village drivers with liability protection while they are renting or borrowing a car and is a great way to save money on coverage when Connecticut drivers don’t have access to their own vehicle. Connecticut residents should check with their current insurer to see if they offer this type of coverage. Connecticut drivers should also remember to compare rates from multiple companies as rates for non-owner Connecticut insurance can vary significantly from one provider to another. Connecticut residents will find that having adequate liability coverage is an important part of protecting themselves financially in case of any accidents.
As Connecticut’s teen drivers begin to gain experience behind the wheel, Essex Village parents should make sure they have coverage for their teens. Connecticut auto insurance companies offer a variety of discounts for teen drivers including good student and driver training discounts. Connecticut parents can also add their teenagers to their existing policy which may be more cost-effective than buying separate policies. It is important Connecticut parents shop around and compare rates from various insurers before selecting an auto insurance provider for their teen driver. Connecticut parents should also consider talking with a local agent who can help them find the best rate and coverage available in Connecticut.
Connecticut seniors can save money on car insurance by taking advantage of Connecticut’s senior discounts. Connecticut auto insurers offer a variety of discounts, including good driver and defensive driving discounts that are based on Essex Village drivers’ age and experience. Connecticut seniors should shop around and compare rates from multiple companies to make sure they are getting the best deal available in Connecticut. Connecticut seniors should also consider talking with a local agent who can help them find the best rate and coverage available in Connecticut.
SR-22 insurance is a type of high-risk Connecticut auto insurance that can provide Connecticut drivers with the coverage they need after certain violations, including DUIs and reckless driving. Connecticut residents who are required to carry SR-22 insurance should contact their Connecticut auto insurer for more information about SR-22 filing requirements. Essex Village residents should also make sure they shop around and compare rates from multiple companies in order to get the best deal available. Connecticut drivers should also consider talking with a local agent who can help them find the best rate and coverage available in Connecticut.
The Connecticut Automobile Insurance Plan (CAIP) provides access to Connecticut auto insurance for those who have difficulty obtaining coverage from standard Connecticut auto insurance companies. Connecticut drivers who are unable to find Connecticut car insurance with a private insurer due to their driving record or other risk factors may be eligible for coverage through the CAIP. Connecticut residents should contact the Connecticut Insurance Department for more information about eligibility and rates for Connecticut auto insurance through the CAIP. Essex Village drivers should also consider talking with a local agent who can help them find the best rate and coverage available in Connecticut. Connecticut residents will also want to shop around and compare rates from multiple companies as well as talking to their existing insurers before selecting an auto insurance provider.
Connecticut drivers must obtain a Connecticut driver’s license in order to legally operate a motor vehicle. Connecticut residents must pass a written knowledge and vision test, as well as a driving test, before being issued an unrestricted Connecticut driver’s license. Essex Village residents should contact their local DMV for more information about Connecticut drivers license requirements and the process for obtaining one.
Yes, Connecticut law requires all drivers to maintain Connecticut auto insurance that meets the state’s minimum liability requirements. Essex Village drivers must provide proof of Connecticut car insurance when registering their vehicle and at other times as required by Connecticut law. Connecticut residents should contact their local DMV for more information about Connecticut’s car insurance laws and regulations. Connecticut drivers should also consider talking with a local agent who can help them find the best rate and coverage available in Connecticut.
Connecticut law requires all drivers to carry uninsured motorist coverage in order to protect themselves from uninsured motorists on the roads. Essex Village residents are required to have a minimum amount of uninsured motorist coverage in Connecticut, which includes $20,000 for bodily injury per person and $40,000 for total bodily injury liability. Connecticut residents should review their Connecticut auto insurance policies to make sure they are adequately covered, or contact their Connecticut auto insurer for more information about Connecticut’s uninsured motorist requirements. Connecticut drivers should also consider talking with a local agent who can help them find the best rate and coverage available in Connecticut.
When selecting Connecticut auto insurance, Essex Village residents should consider increasing their deductible to lower their premiums. Connecticut drivers should carefully weigh the cost savings of a higher deductible against the risk of having to pay more out-of-pocket in the event of an accident or other covered loss. Connecticut residents should contact their Connecticut auto insurer for more information about selecting a deductible that is right for them. Connecticut drivers should also consider talking with a local agent who can help them find the best rate and coverage available in Connecticut.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Essex Village, Connecticut. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Essex Village, CT.
Bundling auto and homeowners insurance in Essex Village promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Essex Village insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Essex Village at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
