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Enfield Car Insurance

Enfield car insurance buyers will be happy to hear that is it actually possible to find an affordable yet comprehensive package this year. And, best of all, you do not have to pay an arm and a leg for it! With the rising costs of groceries, fuel and everyday living expenses, you may be surprised and delighted to hear that Connecticut car insurance, on average, is actually on the decline. Premiums across the state of CT are currently 3 percent lower than last year and 7 percent cheaper than 2008 . What this means is that, while the overall cost of living continues to increase every month, you can actually save hundreds on your annual Enfield car insurance.

Enfield, CT Car Insurance Rates

All Enfield drivers will need to purchase Connecticut vehicle coverage. It is against the law in Connecticut to drive without some level of coverage. The minimum package across Connecticut is called the 20/40/10 with 20/40 UM plan and includes $20,000 per person up to $40,000 per accident for bodily injury protection, $10,000 of property damage protection and $20,000 per person up to $40,000 per car accident for uninsured/underinsured motorist coverage. Keep in mind that this is the minimum requirement and most Enfield residents will opt for a more comprehensive package with higher limits and optional extras.

Enfield Vehicle Insurance Quotes

No one wants to over-pay on their Enfield automobile insurance year after year. And, fortunately, you do not have to. There are a number of ways to save on your annual Enfield car insurance. Your vehicle coverage will depend on a number of factors including your driving history, the type of vehicle you drive and the amount you drive. You can lower your yearly premiums is to focusing on these three things.

First of all, check your driving record to make sure it is accurate and up to date. In general, the better your driving history is the lower risk category you will be in and thus the lower coverage premiums you will be offered. If you have been driving for a number of years and have never had an accident, do not have any traffic violations or offenses and always pay your premium on time, then there is no reason why you shouldn't be offered the very best Enfield vehicle insurance discounts. If you do have traffic fines and unpaid fees, pay them off now. You can also invest in a driver's education course to lower your risk on the road and improve your driving history.

The type of vehicle you drive will also play an important role in finding really cheap car insurance. In general, the safer your vehicle is, the better rates you will be offered. SUV's and larger cars tend to come with a cheaper vehicle coverage rate than smaller cars, expensive speedsters and foreign imports. The theft and collision rating of your car will also impact your ability to find cheap Enfield car insurance. If you are in the market for a new car, it is worth your while to check the collision, theft and safety rating on your choices. If you have an older car, you can lower your premium by investing in anti-theft and safety devices such as a steering wheel lock, an alarm system and new tires.

Another factor that will determine your Enfield car insurance premium is the amount you drive. If you do not drive often, you can qualify for a low mileage discount. If you drive to and from work every day, you might consider carpooling with a colleague or taking public transit to lower your mileage and your coverage rate. Or, if you have more than one vehicle on the road, perhaps you could take one of the vehicles off the road for a season. You will also save on your weekly fuel bill and reduce your carbon footprint in the process. If you are not able to give up your car, then you can also save a bundle on your annual coverage by finding a company that provides discounts to those who bundle their vehicles into one plan.

Compare Car Insurance in Enfield

However, perhaps the easiest way to save on your annual Enfield auto insurance is to always shop around and compare auto insurance quotes. You do not have to spend your precious free time doing so, however. You can find an affordable and comprehensive package without wasting precious time, effort or money. And best of all, you don't even have to leave the house. With an online search you can find car insurance quotes and compare policies of the various Enfield providers. You will have instant access to competitive rates and comprehensive plans at your fingertips. So click your way to convenience and shop, compare and save on your annual Enfield car insurance.


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