In Connecticut, the cheapest car insurance you buy should be enough to cover at least the minimum liability requirements mandated by state law. While Connecticut only requires liability, the state strongly recommends purchasing higher limits and additional coverage. They have a number of insurance companies that earned over $5,000,000 in premiums and had a relatively low complaint record. So, before buying the cheapest car insurance in CT, you should consider all aspects of the insurance company, including customer service.
The company that will offer you the cheapest rates is different for everyone. For you, it will be the one that meets your minimum requirements, has discounts that apply to you, and has the flexibility you need. Progressive and Nationwide both write policies in the state. The only way to determine what they will charge you is to get a quote from each company or through a third party quote tool.
How much coverage?
The less cover you purchase, the cheaper your policy will be. Minimum liability in Connecticut is $20,000 per person and $40,000 per accident for bodily injury and $10,000 for property damage (per accident). Optional coverage can be purchased for comprehensive, collision, uninsured motorists, underinsured motorists, and various other policies. From Hartford to Salem, most insurers recommend that you buy more if you can afford it.
Insurance companies that can provide all of your insurance needs are usually the major insurance companies. Big doesn’t always mean expensive as their costs can sometimes be much less than a small company. The ten largest auto insurers with the fewest complaints in Connecticut in 2008 are: American National Financial Group, Philadelphia Consolidated Holdings, Plymouth Rock Insurance Group, Utica National Insurance Group, Balboa Insurance Group, American Financial Group, New London County, Quincy Mutual Group, Allianz Insurance Group and Argonaut Group. These insurance groups can consist of several insurance companies under different names. You should compare the different policies to see which offers you the best combination of benefits and rates.