Danbury Car Insurance

Whether you are new resident or have spent your lifetime in Connecticut, you need car insurance. Every six months you are given the option to renew your existing policy or shop around for another policy.

Always choose the latter, partly because you never know what savings and benefits you may be missing out on otherwise.

Another reason to review your policy every time it comes up for renewal is to make sure your vehicle insurance is keeping pace with your life. For instance, if you finally bought that kit car you always wanted, your plans could come to a screeching halt if you do not buy insurance for it.

Once you've read this guide, enter your zip code above to compare car insurance rates and find the best fit for you!

When to Compare Insurance Premiums

Overall, if you notice the following life changes, review your insurance policy:

1. Your teen is about to get behind the wheel with a learner's permit or driver's license
2. You are buying a vehicle
3. You are selling a car
4. You are moving

What Makes Premiums Go Up or Down

The type of vehicle you drive impacts your premiums. For instance, SUVs, convertibles, and sports cars cost more to insure.

The reason is that SUVs and convertibles can be more dangerous.

Convertibles involve specialty bodywork and have a higher chance of damage from inclement weather and break-ins.

Other factors that influence car insurance rates include:

1. The safety of your neighborhood
2. Whether you park your car in a garage or on the street
3. Your car's safety features
4. Your driving record
5. Your credit history

You may start looking for other ways to save on your policy too. Aside from the list of items up above, you may look at your deductible and collision coverage.

If you can afford to pay premiums easily, then it might be time to increase deductibles. Just remember, if you are involved in multiple accidents in one year, you will have to come up with deductibles every time you need to file an auto insurance claim.

In addition, many drivers drop collision and comprehensive coverage once their car is worth less than the deductibles. They are wise and set aside money for repairs instead of handing money over to the insurance carrier.

If you would only receive $1,000 for your car and the deductible is $1,000, you would be left with no money to fix your car. That's when it is time to give up on collision and comprehensive.

As your car ages, it is a good idea to check out its value with Nada guides. It makes for more well-informed decisions when you are considering collision and comprehensive coverage.

More Ways to Save

The following may also help you save money on your insurance costs:

1. Practice safe driving to avoid costly accidents and traffic violations which increase premiums
2. Take a safe driving course through your insurance carrier
3. For teenagers, getting good grades provides an added reduction of premiums

Insuring Special Cars

Just as many teens dream of their first sports car, you might be a kid at heart. Maybe you have long thought of purchasing a kit car to build on your own. Or, maybe building a custom car with a special engine is a plan that is finally coming near completion.

Yes, you do have to still carry insurance on a kit car or custom car.

While it seems like it should be much more expensive than your run of the mill stock car, it is not. The insurance companies know that people who take the time to build their own car may take better care of their cars.

Often, the cars are not parked on city streets, instead pampered and protected in a garage every night.

The insurance company asks a lot of very specific questions of people who own special cars because often times they are built to be safer and are babied.

Kit Cars Insurance in Connecticut

There is also a special inspection process in Connecticut for kit cars, which you need to get before hitting the road. It is not as straight-forward and easy as getting an inspection for a stock car.

You actually need to come to registration with the receipts that make up the entire vehicle. If you choose to use parts from other vehicles, you need Vehicle Identification Numbers for every part that's from another car. It is an involved process, but a labor of love if you ask other kit builder enthusiasts.

Get a flatbed ready to cart the vehicle to the inspection. Additionally, you will need the following inspection form filled out prior to your visit.

Basic Insurance for All Vehicles

When your inspection is completed, no matter what type of car you drive in Connecticut, you will have to adhere to legal minimum insurance requirements.

1. At least $20,000 per person bodily injury liability
2. At least $40,000 per accident for bodily injury liability
3. At least $10,000 per accident property damage liability
4. $20,000 per person/$40,000 per accident in uninsured/underinsured coverage

Always compare quotes from as many carriers as you can. That's the best way to guarantee the best value for your money.

You can start comparing quotes right now by simply entering your zip code below! Browse rates from top companies in Danbury and see how much you could save!