Danbury, CT Auto Insurance | Cheap Car Insurance in Danbury, CT
Danbury, CT auto insurance requires you have 20/40/10 in liability coverage. Cheap car insurance in Danbury, CT starts at $51 monthly with Amica. The best Danbury, CT car insurance companies consist of Allstate, State Farm, Liberty Mutual, Amica, and Victoria.
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UPDATED: Nov 17, 2020
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- Connecticut drivers’ auto insurance rates average about $137 per month.
- Danbury, CT auto insurance requires you have 20/40/10 in liability coverage.
- Amica and State Farm offer some of the lowest auto insurance rates in Danbury, CT.
Connecticut auto insurance requires a 20/40/10 minimum in liability coverage. Residents can find cheap car insurance in Danbury, CT starting at $51 monthly, offered by Amica.
Some of the other best Danbury, CT car insurance companies include Allstate, State Farm, Liberty Mutual, and Victoria, each offering competitive Danbury, CT auto insurance. Progressive car insurance is also in Danbury, CT.
Do you want cheap auto insurance in Danbury, CT? We can help you find affordable Danbury, CT auto insurance. All you need to do is enter your ZIP code below to compare auto insurance rates and find the best Danbury, CT car insurance quotes now.
Auto Insurance Coverage Requirements in Connecticut
Driving legally in Danbury requires:
|Auto Insurance Coverage||CT Coverage Requirements||Most Common Coverage Amounts in CT|
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||20,000/40,000||20,000/40,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
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Since Connecticut’s state mandatory minimums are some of the cheapest in the U.S., motorists with an older, cheaper vehicle can save a lot of money by purchasing only what’s required.
However, drivers with newer cars (especially those still making payments) may want to choose a higher level of coverage.
Maintaining a great insurance plan in Connecticut costs you around $137 per month, on average. But Danbury drivers are entitled to savings not available elsewhere. And thanks to these deals, you could decrease your premium to lower than $66/mo* in some cases.
As you can see, Allstate car insurance in Danbury, CT has an average insurance cost almost as high as Victoria.
There’s a virtual bidding war happening in Danbury between Amica and State Farm. Before you consider switching, though, take note of additional factors like customer support and claims filing. Cheap rates aren’t worth a lot if you can’t get decent service.
Danbury, CT auto insurance companies that supply vehicle insurance policies consider several elements when determining insurance prices, including marital status, driving violations, type of vehicle owned, years of driving experience, and credit score.
Also, don’t forget that premiums could vary from company to company. To confirm that you’re still getting the best rates, check for Danbury, CT auto insurance quotes on the internet.
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Major Factors in Cheap Auto Insurance in Danbury, Connecticut
You might feel a little helpless as your auto insurance provider is pricing your rates; let’s be honest, almost all of the factors they consider are things you can’t easily change or control.
Check out this short video about factors that can affect your auto insurance rates.
Take a look at the items below, which may qualify you for discounted rates.
Your ZIP Code
Auto insurance agencies want to know where you live (or the places you’ll probably be driving your car frequently) in an effort to estimate the likelihood of a collision.
Everything amounts to a very simple concept: the larger the population, the more cars you’ll encounter while driving, and therefore the greater the chance for an accident. The population of Danbury is 83,684 and the average household income is $62,404.
Keep in mind, drivers over age 50 may be entitled to AARP car insurance discounts in Danbury, CT.
Danbury has a fairly sizeable population, so the numbers in the chart below shouldn’t come as a surprise to anyone. But just to make sure you aren’t being penalized for driving on accident-prone roads, call your agent today and ask if they offer any discounts for safe driving.
Look here for information on the counties with the worst drunk driving records.
Auto Thefts in Danbury
Anti-theft systems are usually a powerful way to guard yourself from auto thieves. They’re moderately cost-effective, very easy to get installed, and once set up, demand little effort on your part. And best of all, many insurance agencies will provide you with a discount on your auto insurance just for having one.
In Danbury, there were 64 auto thefts in 2013. This is a pretty low number, but we still recommend investing in comprehensive coverage to protect you from vandalism, weather-related events, and other non-collision incidents.
Your Credit Score
For those with less than stellar credit ratings, it’s not easy to find reasonable Danbury, CT car insurance rates. Some companies, like Victoria, are a bit more forgiving. Others, like Amica, will make you pay double or even more for having a bad credit score.
If you’re a parent or guardian insuring a teenage driver, we regret to inform you that it’s going to be expensive. However, keep in mind that your child may be eligible for a good student discount or a discount for taking a driver’s safety course.
Your Driving Record
Have you heard of “Accident Forgiveness”? If your insurer offers this discount, it could decrease your monthly Danbury, CT auto insurance rates. Basically, your insurance provider would ignore, or “forgive,” an accident or minor violation on your record. More severe violations, however, won’t be ignored and could cause you to be denied coverage.
Ever wonder why insurance for a luxury vehicle is a lot more costly? In part, it’s because these vehicles cost a lot more to repair or replace than your average sedan. You’ll also want to purchase more coverage for your luxury car, and that comes at a higher price.
Minor Factors in Cheap Auto Insurance in Danbury, Connecticut
Here are a few more factors that may affect your auto insurance rates in Danbury.
Your Marital Status
Have you ever heard of bundling discounts? Your insurance company may offer you lower rates if you bundle insurance policies with your spouse, meaning you could pay less than your single peers.
Some insurance providers charge different rates to men and women, but many do not. If your provider does discriminate based on gender, it’s unlikely to affect your rates by more than one or two percent either way.
Your Driving Distance to Work
Commuting around Danbury is a fairly simple process. Most people commute to and from work in 10-15 minutes. Around 76 percent of commuters drive their own vehicle to work and about 13 percent carpool.
Insurance providers ask you about how much you drive annually, and the purpose of your driving (work, school, personal, etc.). Your mileage won’t affect your rates by more than four or five percent, but if you drive your car a lot for work and need to insure it as a business vehicle, you may pay 12 percent more on average.
Check out some of the rates offered by insurance companies in Danbury based on commute distance.
|Companies||Average Annual Rates for|
10 Miles Commute
6000 Annual Mileage
|Average Annual Rates for|
25 Miles Commute
12000 Annual Mileage
|Average Annual Rates|
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As you can see, Geico offers some of the lowest rates based on commute distance.
Your Coverage and Deductibles
Many drivers may not understand the purpose of their deductible. The deductible is the money you have to pay in advance before your insurance provider pays on certain kinds of claims.
Raising your deductible is an easy and quick way to lower your monthly premium. Just make sure to set aside some money so you can pay that deductible if you need to file a claim.
Education in Danbury, CT
Around 29 percent of Danbury residents have completed all the requirements for a high school diploma (or its equivalent). Meanwhile, 23 percent of locals have yet to complete all four years of secondary schooling. Remember, it’s never too late to improve on your education, and doing so could even yield lower rates on your auto insurance.
There are a few local options for those looking to earn an advanced degree while living and working in Danbury.
Western Connecticut State University is located in Danbury. This public, four-year institution offers a variety of degrees in everything from business to fine arts to environmental studies, among many other subjects. Other nearby schools include the Brandford Hall Career Institute and the Ridley-Lowell Business & Technical Institute.
Automobile insurance is likely one of the most important investments you can make as a customer.
Make sure to find an honest, reputable agency that will follow through on its promises.
Some auto insurance agencies are far better than others, and performing a rigorous internet search can help you separate the good from the bad. Affordable car insurance in Danbury can be easy to find. Search through top car insurance companies by using our helpful tool.
How We Conducted Our Auto Insurance Analysis
*We calculated our average rates based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rates were also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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