New Britain, CT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in New Britain, 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.
Car Owners can Save Up to $852 on Multi-Car Insurance in New Britain, CT.
The average cost of auto insurance in New Britain, CT, is $1,521. This is lower than auto insurance in neighboring places such as Berlin, Wethersfield, Kensington, Farmington, and Newington. Car owners can save more by comparing multiple car insurance quotes from different car insurance companies. The cost of car insurance can vary from one neighborhood to another, depending on the rate of auto thefts in that area. The cost of auto insurance also depends on the rate of deductibles, driving record, and make and model of the car. Below are some of the discounts auto owners can avail of in New Britain.
Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. State Farm offers a 17% discount on multiple policies, while Progressive offers an average discount of 5%. Discounts are also offered if one covers multiple vehicles under the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%.
Progressive offers a 10% discount if you are a homeowner. However, to avail of this offer, it is not mandatory to have insured one’s home through Progressive’s network of home insurers.
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
Progressive’s SNAPSHOT program offers a significant discount for good drivers. It places its average rate of discount at $145. The DriveSense Discount Program by Esurance is another option for car owners looking for discounts.
Car insurers across Connecticut offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Hybrid and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are more environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.
Multi-car Insurance Policy:
Drivers who own multiple cars can make use of this policy by insuring all their vehicles under the same auto insurance company. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. In New Britain, the cost of insuring two cars under a multi-car insurance policy is $2,616, while the cost of insuring four cars is $5,232. The amount of savings via a multi-car insurance policy depends on the number of vehicles and the make and model of the car.
Other than these significant factors, insurance companies across the board offer discounts to loyal customers. Signing paperwork online and reducing paperwork also makes some car owners eligible for discounts. It is clear from the above analysis by Zimlon that an estimation of discounts available to different car owners depends on numerous factors.
Factors that can influence the cost of car insurance in New Britain, 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.
- New Britain, CT Auto Insurance Rates
- New Britain, CT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in New Britain, CT
- Multi Vehicle Insurance Savings in New Britain, CT
- How Credit Score Affects Car Insurance Rates in New Britain, CT
- How DUI Affects Auto Insurance Premiums in New Britain, CT
- Top Auto Insurance Agents Near New Britain, CT
- How Driving Violations Affect Auto Insurance Rates in New Britain, CT
- New Britain, CT Auto Insurance Discounts on Anti Theft Feature
- New Britain, CT Auto Insurance Company Reviews
New Britain, CT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in New Britain, CT with that of other cities in and around New Britain.
|Average Insurance Rates||$1,521||$1,594||$1,577||$1,581||$1,622||$1,564|
New Britain, 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 New Britain, 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)|
New Britain, CT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in New Britain, 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|
New Britain, CT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in New Britain, 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|
Savings on 2 Vehicles bundle:$426
Savings on 3 Vehicles bundle:$639
Savings on 4 Vehicles bundle:$852
New Britain, 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 New Britain, CT.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
New Britain, 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|
New Britain, 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|
|Melvin Banks||State Farm||104 Connecticut Blvd, East Hartford, 06108-3013||860-289-1141|
|Connecticut Ins Exchange Of Southington Llc||Travelers||1133 MERIDEN WATERBURY TNPKE, PLANTSVILLE, 6479||860-276-1255|
|Raymond Peterson||Allstate||918 Farmington Ave, Bristol, 6010||(860) 582-6029|
|Corporate Risk Solutions Inc||Liberty Mutual Independent||98 CENTER ST, SOUTHINGTON, 6489||860-426-1080|
|Charles G Marcus Agency Inc||Liberty Mutual Independent||842 Silas Deane Highway, Wethersfield, 6109||None|
|Norcom Insurance||Liberty Mutual Independent||38 Security Drive , Avon, 6001||None|
|Brown & Brown Of Ct Inc||Liberty Mutual Independent||55 CAPITAL BLVD STE 102, ROCKY HILL, 6067||860-667-9000|
|[||M||a, r, y|
|The Siegel Agency, Inc.||None||54 Main Street, Danbury, 6810||None|
New Britain, 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||+$67||$1,588|
|Driver's Failure In Showing Documents||+$148||$1,669|
|Driving With An Expired Registration||+$157||$1,678|
|Driving At A Considerably Slow Pace||+$330||$1,851|
|Using A Cellphone While Driving||+$348||$1,869|
|Running A Red Light||+$354||$1,875|
|Driving A Vehicle Without The Required Permission||+$473||$1,994|
|Driving With An Expired/Suspended License||+$1,025||$2,546|
New Britain, 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|
|Active Disabling Device||$1,460|
|Passive Disabling Device||$1,415|
Latest Auto Insurance Reviews in New Britain, CT | Back to Top
I love the little extras on my car insurance, like the towing for less than $1 a month. They have valuable additions to the state minimums that I'm glad are there so I can get exactly want I want.
Progressive was the cheapest auto insurance premium and deductible i could get for the amount of damage and other insurance rates covered in the event of an accident
it is good when comparing middle class family vehicles like honda and toyota. simply it is good.
We utilized an insurance broker, so the customer service on behalf of Travelers has been amazing. We have not filed any claims, so we are still unsure how that customer service will be at the time.
We are able to have a life and dismemberment insurance attached to our car insurance as well as an option in case we lose our main source of income and cannot pay our bills.
The premium is cheaper and the deductible is less than other companies with the same coverage.
I feel that the premium and deductible are fairly consistent with other car insurance policies, it may be a little stricter because of my age though