New Haven, CT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in New Haven, 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.
Discounts of Up To $862 on Multi-Car Insurance in New Haven, CT
The average cost of auto insurance in New Haven, CT, is $1,540. Car owners in New Haven can improve savings by comparing multiple quotes and reviews from different auto insurance companies. Below is a list of discounts available to drivers in New Haven.
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in New Haven is $2,649, while the cost of insuring four vehicles under this policy is $5,298. The amount of savings can range from $431 to $862.
Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible 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.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in New Haven. It helps save up to $108, while an audible alarm helps save up to $62.
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go 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.
For example, post-DUI, the cost of auto insurance in New Haven, can mount up to $2,900 from $1,540. That’s an increase of over $1,000. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. The former leads to an increase of $1,038, while the latter leads to an increase of $353.
Factors that can influence the cost of car insurance in New Haven, 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 Haven, CT Auto Insurance Rates
- New Haven, CT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in New Haven, CT
- Multi Vehicle Insurance Savings in New Haven, CT
- How Credit Score Affects Car Insurance Rates in New Haven, CT
- How DUI Affects Auto Insurance Premiums in New Haven, CT
- Top Auto Insurance Agents Near New Haven, CT
- How Driving Violations Affect Auto Insurance Rates in New Haven, CT
- New Haven, CT Auto Insurance Discounts on Anti Theft Feature
New Haven, CT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in New Haven, CT with that of other cities in and around New Haven.
|New Haven||Woodbridge||North Haven||Hamden||Orange||New Haven County|
|Average Insurance Rates||$1,540||$1,711||$1,605||$1,562||$1,656||$1,573|
New Haven, 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 Haven, 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 Haven County||$1,404||$1,186|
New Haven, CT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in New Haven, 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 Haven, CT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in New Haven, 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:$431
Savings on 3 Vehicles bundle:$647
Savings on 4 Vehicles bundle:$862
New Haven, 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 Haven, CT.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
|New Haven County||$1,573||$2,962|
New Haven, 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 Haven, 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|
|Peter F. Lupoli||Allstate||162 Montowese St, Branford, 6405||(203) 481-6241|
|Goodman Insurance Inc||Liberty Mutual Independent||Two Long Hill Avenue, Shelton, 6484||None|
|Brad Manning||Allstate||36 State St Ste 4, North Haven, 6473||(203) 234-7122|
|Deric Currie||State Farm||3208 Whitney Ave Ste 1B, Hamden, 06518-2158||203-407-1933|
|United Insurance Group Inc||Liberty Mutual Independent||569 BOSTON POST RD, ORANGE, 6477||203-795-0275|
|Sal Riccardi||Nationwide||100 Bank St, Seymour, 06483-2806||(203) 888-8608|
|Contessa Insurance Agency Inc||Liberty Mutual Independent||288 STATE ST, NORTH HAVEN, 6473||(203) 230-1229|
|Amity Insurance Professionals Llc||Travelers||1 BRADLEY RD STE 405, WOODBRIDGE, 6525||203-848-3175|
|Orange Insurance Center Inc||Travelers||325 Boston Post Road, Ste 2B, Orange, 6477||None|
|S M Opper Co Llc||Travelers||282 STATE ST, NORTH HAVEN, 6473||203-248-7311|
|John Berardino||State Farm||1700 Post Rd Ste E9, Fairfield, 06824-5726||203-255-2277|
|Dimatteo Group Insurance Llc||Liberty Mutual Independent||79 BRIDGEPORT AVE, SHELTON, 6484||203-924-4811|
New Haven, 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||+$68||$1,608|
|Driver's Failure In Showing Documents||+$149||$1,689|
|Driving With An Expired Registration||+$159||$1,699|
|Driving At A Considerably Slow Pace||+$334||$1,874|
|Using A Cellphone While Driving||+$353||$1,893|
|Running A Red Light||+$359||$1,899|
|Driving A Vehicle Without The Required Permission||+$479||$2,019|
|Driving With An Expired/Suspended License||+$1,038||$2,578|
New Haven, 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||$1,478|
|Passive Disabling Device||$1,432|