Factors That Affect Auto Insurance in Connecticut

Factors That Affect Auto Insurance in Connecticut

The Car You Drive

You might be surprised to learn that you are more in control of the affordability of your auto insurance premiums than you thought. There are many things that you can change about your lifestyle and driving habits that can make your insurance rates go up or down. Here are some of those factors that affect what you pay for auto insurance – Connecticut.

The Car You Drive

While the specific make and model of your car might not matter that much, most insurance companies will offer discounts to customers who drive vehicles that are known to be safer. Talk to your insurance agent about these vehicles and what you might look at if you are shopping for a new car.

How Often You Drive

If you drive more than 12,000 miles a year, you may be paying more for gas as well as paying a higher insurance premium. Many drivers now are choosing to work at home part of the week to cut down on the commute and cut down on the driving time.

The Amount of Your Deductible

While adjusting your deductible to a higher amount does not work for everybody, there are certain people who it does work for. The higher the deductible, the lower your monthly insurance payment will be. However, you need to make sure that you can pay out of pocket for injuries or damages in the event of an accident to make up for the increased deductible. Talking to your agent about these factors can dramatically increase or decrease what you pay for auto insurance – Connecticut.