Moodus Auto Insurance Rates, Quotes, Agents & Reviews in CT

Moodus, CT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Moodus, CT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Affordable Car Insurance Rates in Moodus, CT

Auto insurance is required in Moodus, CT, to legally operate a motor vehicle. It protects in the event of an accident and covers any potential liability for damage to property or injury to another person. Without auto insurance, drivers can face serious legal penalties and may be financially liable for the costs associated with an accident.

The average cost of car insurance in Moodus, CT, is $1,561. The best way to get the cheapest auto insurance in Moodus, CT, is to compare quotes from multiple companies. Comparing quotes allows you to see which companies offer the lowest coverage rates that fit your needs. Shopping around and comparing quotes from different insurers can help you identify discounts or other opportunities to save on your premium. Here are some tips to assist you in finding the most affordable auto insurance in Moodus, Connecticut. 

Age of the Driver

The driver's age affects the auto insurance cost in Moodus, CT. Generally, younger drivers pay more for auto insurance than older drivers. This is because they are considered to be more likely to be involved in an accident than older drivers. Additionally, young drivers may be seen as more likely to drive recklessly or without the proper experience, which can lead to more costly accidents. On the other hand, older drivers are often rewarded with lower premiums due to their years of driving experience and statistically lower risk of being involved in an accident. Auto insurance costs $5,065 for teenagers in Fortuna, California, and $1,486 for drivers over 40.

Maintain a High Credit Score

Insurance companies use credit scores to assess the risk associated with an individual and set their premiums accordingly. With a good credit score, insurance companies will view you as a lower risk and offer you lower premiums. For example, people who own cars and have exceptional credit scores must pay $1,339, while those with poor credit scores must pay $2,546. Improving your credit score can allow you to access additional discounts and incentives. Therefore, paying your bills on time, checking your credit report regularly, and avoiding taking on too much debt is essential.

Avoid Driving Under the Influence (DUI)

Driving under the influence (DUI) of drugs or alcohol is illegal and carries severe penalties in Moodus, CT. In addition to the potential criminal consequences of a DUI, it can also lead to increased auto insurance costs. Insurance companies consider DUI convictions and arrests to be evidence of poor driving behaviour and thus view drivers with DUI records as having higher liability risks. As a result, drivers with DUI convictions or arrests can expect to pay much higher insurance premiums if they can obtain coverage. For example, Moodus, Connecticut, charges $1,561 on average for car insurance. Owners of vehicles who have a history of DUI are subject to a $2,939 post-DUI premium. As a result, insurance premiums rise after a DUI.

Factors that can influence the cost of car insurance in Moodus, CT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Moodus, CT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Moodus, CT with that of other cities in and around Moodus.

Moodus Middlesex County East Hampton Chester East Haddam Colchester
Average Insurance Rates $1,561 $1,596 $1,583 $1,640 $1,587 $1,578

Moodus, CT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Moodus, CT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Moodus $1,249 $1,055
East Haddam $986 $833
Haddam $1,657 $1,400
Higganum $1,865 $1,576
East Hampton $1,500 $1,267
Middlesex County $2,364 $1,997
Chester $1,774 $1,498
Colchester $2,060 $1,740

Moodus, CT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Moodus, CT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,065
20 Years $2,006
30 Years $1,545
40 Years $1,486
50 Years $1,376
60 Years $1,396
70 Years $1,625

Moodus, CT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Moodus, CT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,716 $406
3 Vehicles $4,074 $609
4 Vehicles $5,432 $812

Savings on 2 Vehicles bundle:$406

Savings on 3 Vehicles bundle:$609

Savings on 4 Vehicles bundle:$812

Moodus, CT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Moodus, CT.

Location Average Insurance Cost Post DUI Insurance Rate
Moodus $1,561 $2,939
East Haddam $1,587 $2,988
Haddam $1,609 $3,030
Higganum $1,593 $3,000
East Hampton $1,583 $2,981
Middlesex County $1,596 $3,005
Chester $1,640 $3,088
Colchester $1,578 $2,971

Moodus, CT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,339
Excellent (740-799) $1,529
Good (670-739) $1,627
Average (580-669) $2,122
Poor (300-579) $2,546

Moodus, CT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Hang Chen Allstate 329 Main St Ste 101, Wallingford, 6492 (203) 793-7940
Colchester Insurance Travelers 63 HAYWARD AVE, COLCHESTER, 6415 860-537-5377
Edward Zavaski Agcy Llc Nationwide 350 Main St STE 203, Durham, 06422-1644 (860) 349-2322
Paul Catalano State Farm 87 Lebanon Ave, Colchester, 06415-1211 860-537-3338
Whitty Mather & Pitts Insurance Travelers 190 E HIGH ST, EAST HAMPTON, 6424 860-267-7889
Archambault Insurance An Affiliate Of Smith Brothe Liberty Mutual Independent 2 N MAIN ST, CHESTER, 6412 (860) 526-9587
Ana Morfe Behan Allstate 173 Post Rd, Fairfield, 6824 (203) 445-6029

Moodus, CT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$69 $1,630
Driver's Failure In Showing Documents +$151 $1,712
Driving With An Expired Registration +$161 $1,722
Driving At A Considerably Slow Pace +$339 $1,900
Using A Cellphone While Driving +$357 $1,918
Running A Red Light +$364 $1,925
Speeding +$382 $1,943
Driving A Vehicle Without The Required Permission +$485 $2,046
Driving With An Expired/Suspended License +$1,052 $2,613

Moodus, CT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,499
Active Disabling Device $1,499
Tracking Device $1,467
Passive Disabling Device $1,452