Woodbury, CT Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Woodbury, 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.
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 Woodbury, 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.
- Woodbury, CT Auto Insurance Rates
- Woodbury, CT Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Woodbury, CT
- Multi Vehicle Insurance Savings in Woodbury, CT
- How Credit Score Affects Car Insurance Rates in Woodbury, CT
- How DUI Affects Auto Insurance Premiums in Woodbury, CT
- Top Auto Insurance Agents Near Woodbury, CT
- How Driving Violations Affect Auto Insurance Rates in Woodbury, CT
- Woodbury, CT Auto Insurance Discounts on Anti Theft Feature
Woodbury, CT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Woodbury, CT with that of other cities in and around Woodbury.
| Woodbury | Bethlehem Village | Bethlehem | Woodbury Center | Middlebury | Roxbury | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,635 | $1,622 | $1,637 | $1,608 | $1,638 | $1,779 |
Woodbury, 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 Woodbury, 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) |
|---|---|---|
| Woodbury | $1,684 | $1,422 |
| Woodbury Center | $1,523 | $1,287 |
| Roxbury | $1,245 | $1,052 |
| Middlebury | $1,311 | $1,108 |
| Bethlehem | $1,915 | $1,617 |
| Watertown | $1,373 | $1,160 |
| Heritage Village | $2,861 | $2,417 |
| Bethlehem Village | $1,757 | $1,484 |
Woodbury, CT Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Woodbury, 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 | $5,305 |
| 20 Years | $2,101 |
| 30 Years | $1,618 |
| 40 Years | $1,557 |
| 50 Years | $1,442 |
| 60 Years | $1,462 |
| 70 Years | $1,702 |
Woodbury, CT Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Woodbury, 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 | $2,845 | $425 |
| 3 Vehicles | $4,267 | $638 |
| 4 Vehicles | $5,690 | $850 |
Savings on 2 Vehicles bundle:$425
Savings on 3 Vehicles bundle:$638
Savings on 4 Vehicles bundle:$850
Woodbury, 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 Woodbury, CT.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Woodbury | $1,635 | $3,079 |
| Woodbury Center | $1,608 | $3,028 |
| Roxbury | $1,779 | $3,350 |
| Middlebury | $1,638 | $3,084 |
| Bethlehem | $1,637 | $3,082 |
| Watertown | $1,568 | $2,952 |
| Heritage Village | $1,518 | $2,858 |
| Bethlehem Village | $1,622 | $3,054 |
Woodbury, 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) | $1,403 |
| Excellent (740-799) | $1,601 |
| Good (670-739) | $1,704 |
| Average (580-669) | $2,223 |
| Poor (300-579) | $2,667 |
Woodbury, 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 |
|---|---|---|---|
| Talline Carvalho | State Farm | 15 Federal Rd Unit 1, Danbury, 06810-5010 | 203-456-6577 |
| Tammy Liscomb | Liberty Mutual | 751 Straits Turnpike Ste 1000, Middlebury, 6762 | 1-203-598-7177 |
| Amy Varza | Liberty Mutual | 751 Straits Turnpike Ste 1000, Middlebury, 6762 | 1-203-598-7177 |
| Mark Shumilla Casl, Clu, Chfc | State Farm | 551 Wolcott Street, Waterbury, 06705-1323 | 203-757-6300 |
| Dave De Lotto | State Farm | 385 Main St S, Southbury, 06488-4240 | 203-267-3270 |
| Security First Insurance Inc | Liberty Mutual Independent | 255 BANK ST, WATERBURY, 6702 | 203-574-5200 |
| Zoltan Z Nanassy | Nationwide | 1175 Main St, Watertown, 06795-3147 | (860) 945-9835 |
| Greenwich Independent Insurance | Travelers | 87 GREENWICH AVE, GREENWICH, 6830 | 203-869-0302 |
| Ericson Insurance Services | Liberty Mutual Independent | 92 Bee Brook Road , Washington Depot, 6794 | (860) 799-4313 |
| First Niagara Insurance Agency | Travelers | 40 RICHARDS AVE 5TH FL, NORWALK, 6854 | 203-853-2727 |
Woodbury, 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 | +$72 | $1,707 |
| Driver's Failure In Showing Documents | +$159 | $1,794 |
| Driving With An Expired Registration | +$168 | $1,803 |
| Driving At A Considerably Slow Pace | +$355 | $1,990 |
| Using A Cellphone While Driving | +$374 | $2,009 |
| Running A Red Light | +$381 | $2,016 |
| Speeding | +$401 | $2,036 |
| Driving A Vehicle Without The Required Permission | +$508 | $2,143 |
| Driving With An Expired/Suspended License | +$1,102 | $2,737 |
Woodbury, 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 | $1,570 |
| Active Disabling Device | $1,570 |
| Tracking Device | $1,537 |
| Passive Disabling Device | $1,521 |