If you need to know how to find high risk Connecticut car insurance for cheap, you might be feeling a bit desperate. Many people feel helpless once they realize they are considered a high risk driver for car insurance, whether it’s after a DUI or a string of bad accidents. This article will help you understand first if you need a CT high risk car insurance policy, and if you do, it will show you how to find high risk Connecticut car insurance for cheap, without a ton of added stress.
What Defines A High Risk Driver In CT
If you aren’t sure what characterizes a high risk driver, here are the standard aspects that place someone in the “high risk” category:
Young drivers, typically between the ages of 16-21.
License suspensions, SR22’s, and DUI’s on the driving record.
Three or more moving violations/two or more at-fault accidents over a three year period.
Lapses in insurance due to cancellation/non-renewals or non-payment.
Low credit scores.
If you put a “check” next to one or more of these, most likely you have the misfortune of the title of high risk driver.
4 Ways To Find Cheap High Risk CT Auto Insurance
Finding cheap high risk auto insurance in Connecticut includes many of the same techniques that anyone looking for cheap insurance should employ.
1. Consider the vehicle you are insuring. If you know your rates will be more expensive because of your high risk, think about switching to a cheaper vehicle to put insurance on.
2. If you are able to change (or already have) to an older vehicle that would not require comprehensive and collision, get a policy with the state required coverage: bodily injury at $20,000/$40,000, property damage at $10,000 and uninsured motorists coverage at $20,000/$40,000. Do not mistake this for only carrying the required coverage on all vehicles; if you underinsure your vehicles that should have comprehensive and collision, it will only worsen your financial situation should you be involved in an at-fault accident.
3. Research discounts that you may qualify to receive on your insurance policy. If you are a young driver, look into companies to see if they offer a good student discount to lower your premium.
4. Compare, compare, compare! This is the most important aspect to finding cheap high risk CT car insurance rates. Look at the major companies in Connecticut, but more importantly, check out some of your local insurance companies as well. Often times certain insurance companies will cater to high risk drivers, so make sure to compare at least five different companies. Just because you receive an unfavorable rate from one insurance company does not mean that the next insurance company you investigate will react in the same fashion. Underwriting standards differ from one auto insurer to the next so it can pay off to shop around.
Find Cheap High Risk Connecticut Car Insurance Quotes Today!
If you want to know how to find high risk CT car insurance for cheap, start by comparing rates from multiple companies side by side.
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