5 Secrets About Cheap Connecticut Car Insurance

If you’re looking for CT auto insurance, chances are that you want the best deals, but finding quality coverage at affordable prices can be a challenge. Too often Connecticut motorists skimp on their auto insurance coverage just to save a little money, however this strategy can sometime backfire in the event of a severe accident of unexpected property loss. The truth is that often promises of cheap auto insurance come with many hidden costs. That’s why it’s important to have an agent who will sit down with you to discuss the nuances of Connecticut car insurance with you.

Here are a few secrets about cheap Connecticut car insurance and what it can really cost you.

• Not all discounts are created equal. When it comes to auto insure discounts there is a lot of flexibility. Discounts frequently vary by state and also from one provider to another. Which means that while one provider my offer a 10% discount for having multiple policies through them, another might offer 15% or 20%.
• Phrases like “up to 20 percent off” are trying to hook you. We have all heard the commercials from big agencies boasting about how much you can save on auto insurance if you visit their website. However, if you take a closer look, what they are actually saying is that their company offers you potential to save, not a guarantee. Motorists might be eligible for a certain discount, but often not the maximum available discount for some reason or another. This is because insurance rates are highly performance based.
• Discounts often only apply to specific coverages. For example if an insurance provider offer a discount for certain safety feature, this discount will likely be applied directly to the personal injury rates and not necessarily the insurance bill as a whole. Furthermore, some discounts apply to coverage some motorists choose to opt our of, like comprehensive coverage. Anti-theft feature discounts, for instance, often only apply to comprehensive coverage, but many motorists forgo this coverage all together to save a little more on their auto insurance premiums.
• Some discounts are mandated by local laws. In certain states there are specific mandates which require that insurers offer discounts to drivers that meet certain criteria. However, sometimes these discounts can be missed by multinational companies. Working with a local independent agent who knows the ins and outs of local regulations can help ensure that you are offered these discounts whenever eligible.
• Discounts change over time. Every time your policy is renewed your rates can change, as can your discounts. Some discounts increase over time, such as loyalty discounts, while others can be taken away because you no longer qualify for them. Student discounts, good driver discounts, and many others are flexible and require re-qualification each time your policy is updated.

There are many ways to save money on your auto insurance, and working with the right agent can help secure the coverage you need at rates you can afford. At Byrnes Agency, we strive to help our Eastern Connecticut clients protect themselves and their assets by providing affordable personal insurance solutions. To learn more about our operation and all our offerings, contact us today at one of our offices near you.

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Dayville Office

Phone: (860) 774-85
394 Lake Rd
Dayville, CT 06241
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Norwich Office

Phone: (860) 886-5498
6 Consumers Avenue
Norwich, CT 06360
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Woodstock Office

Phone: (860) 928-7928
1226 Connecticut 169
Woodstock, CT 06281
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm