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Stratford Car Insurance

Stratford car insurance is currently on the decline across the United States. In fact, the average national car coverage premium this year is almost $200 cheaper than last year. What this means is that if you are still paying last year's rates, then you are most likely paying too much for your Stratford car insurance. Now is the time to do your research and find the best auto insurance quotes out there.

Stratford Automobile Insurance Discounts

Any driver in Stratford, CT will need to purchase Connecticut vehicle coverage. It is against the law not to. Under the state of Connecticut, you will need to purchase at least the basic coverage which includes both bodily injury liability and property damage protection. This level of coverage will take care of the costs incurred to the other driver's if you are at fault for the accident. However, you may also want to look at the optional coverage extras such as uninsured/underinsured motorist coverage, personal injury protection, collision coverage and comprehensive coverage. These optional extras will pay for any damages to yourself, your passengers and your car if you are at fault for the accident or if the accident is caused by an act of God.

Many Stratford residents assume that once you purchase a policy, you will remain with this rate and this coverage level forever. This is actually not the case. It is important to review your policy often in order to get the best rates. Furthermore, if you are continuously reinsuring on the same plan, you could not only be over-paying by several hundreds of dollars each year, but you could also be on a plan that is not adequate for your growing needs. Perhaps the policy you purchased five years ago was adequate but perhaps things have changed since then - have you started a family? Have you married or divorced? Have you bought a rent, started a new job, bought a new vehicle? All of these things should be considered when reviewing your Stratford car insurance policy.

Stratford, CT Car Insurance Quotes

So how can you be sure that you are getting the best online auto insurance discounts out there? First of all, look into your Connecticut driving record. Check to make sure that you do not have any outstanding tickets or unpaid fines. In general, the better your driving history is, the better your Stratford car insurance premium will be. If you have been driving for a number of years, are traffic-violation and accident-free and always pay your coverage on time, then there is no reason why you should be paying sky-high prices on your policy. If you are new to the road or do have a few convictions, there is no time like the present to work towards a better rating. Every year you remain traffic-violations and accident-free on the road, you are one step closer to a better rate.

Another way to lower your annual Stratford car insurance is to lower the amount of time you spend on the road. If you need to drive to work every day, consider taking the public transit, carpooling or even biking to work if possible. Look into taking your second car off the Stratford road and sharing transportation for a while. If you simply cannot part with your vehicles, then make sure you are on a bundling package if insuring more than one car. This can save you a bundle in the long run.

Finally, to get the best Stratford car insurance rates, you need to drive a safe vehicle. If you are in the market for a new car, make sure you check the safety rating on top of the other features when comparing makes and models. Two door models tend to come with a higher car insurance premium than four door cars while SUV's and trucks are often the better choice as they do not crumble under pressure. Check with the Insurance Institute of Highway Safety to compare car insurance ratings, including theft, collision and safety ratings on your vehicle of choice. If you are not in the market for a new car, you can still boost the safety rating of your older vehicle by investing in additional safety features and anti theft devices such as new tires, regular servicing and an alarm system.

Compare Stratford, Connecticut Vehicle Coverage

One of the easiest and most effective ways to save on your annual Stratford auto insurance is with an online search. You will instantly be connected to a number of Stratford providers and their best discounts available based on your specific needs. You can browse through the vehicle insurance quotes, compare prices, pick and choose your coverage options and purchase a plan that is suited towards your needs. A little research goes a long way, especially if when it comes your Stratford vehicle insurance rates.

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