I have car insurance right now. I would say it’s not that expensive and it’s still affordable. I just wanna know what should I do to keep it that way? I mean, how could I keep my car insurance rate in Connecticut to be at affordable price?

Izabella

West Haven, CT

Hello Izabella!

I heard from my brother who is a car insurance agent himself that in order to keep the auto insurance premium down, follow these simple tips:

1. Always drive safely. As you see traffic violations and accidents are eye sore to auto insurance companies and they always cause an increase to car insurance rates.

2. If you can have enough money to pay the amount of deductible in an event of a loss, then increase your deductible.

3. If you are driving an old car, you might want to consider removing collision and comprehensive coverage on your car insurance.

4. If you are thinking on buying a new car, I would suggest go away from expensive cars because they would increase your car insurance rate.

5. If you are a teen or has a teen daughter or son under your auto insurance policy, demand for good grades.

6. If your age is over 62, consider getting a defensive driving class which will qualify you for a discount.

7. Always shop around. You’ll get difference car insurance quotes from different auto insurance companies.

Don’t forget to ask your auto insurance agent in West Haven, Connecticut for discount that your insurer is offering. Also ask the Connecticut Insurance Department for other questions you have regarding car insurance rates in your area.

• Who’s got the money?

A car insurance company is no good unless it has actual finances behind. There are thousands of car insurance companies out there, and some of them are as inexperienced as you at your lemonade stand. In order for them to be able to cover the costs of claims when you need them to, they have to have enough money to do so. A company that has a history of bad financial management won’t, nor will a company that has hardly any customers.

So how do you know? If you’re interested in a smaller or a local company, you should always check first, and it’s very easy to do so. All you need to do is see how they come out when the credit agencies rate them. The same way that they accept you based on your credit report, you should accept them based on the same. Multiple As mean the company is good, but you shouldn’t accept anything less than a single A.

• Customer service.

You may not be able to expect the most polite service from the McDonald’s drive thru, but you should be able to expect it from your car insurance company. It’s very simple to find out where your company rates on this scale. All you have to do is search for car insurance reviews, and a bunch of sites will pop up where consumers go to either praise or complain about the company they’re with. You do have to take these with a grain of salt, though. Every company has its problems, and not all of those people will be telling the truth, but a trend of bad reviews means something.

Cheers,

Fashun Guadarrama.