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The perks of living in Connecticut are numerous. It’s a lovely haven for many who work in the city but want to live in a more family-friendly community. It’s a beautiful location, but it’s not exactly cheap as far as cost of living is concerned. Even the cost of car insurance is above average, standing in line as the 12th most expensive location in which to insure your vehicle in the nation. The good news is car owners don’t necessarily have to pay the highest premiums available, but you must learn how to make the right choices, choose the right insurance, and how to keep your costs low. Working with Geico is one of the best ways to save on insurance according to premium information in the state, but that doesn’t mean your policy will be the cheapest if you go with this company.

The best way to find the cheapest car insurance in Connecticut is to find a company that has a great rate and compare it to two or three other companies with other great offers. To further help your cause, you can try to implement a few of the following options to help lower the cost of your vehicle insurance in Connecticut.

Consider Your Career

Believe it or not, where you work plays a large role in how much you pay for your car insurance. The insurance companies want to know what you do and how it affects your safety as a driver. If you work in a profession that’s more dangerous than others such as driving an Uber or commuting a long distance to work each day, your insurance company is going to charge your more because you’re on the road more often. It’s a distinction they make to help their own rates.

Pay Your Bills on Time

Your credit score affects your insurance premiums. If you have bad credit, you might want to stick with the company you already work with as a new company is going to run your score to determine your rates. Your company won’t since you already work with them, so they might not know your score has dropped since you began doing business. The best thing to do is keep your bills paid on time, don’t miss payments, and spend your time working with your finances to keep them on track. Your credit score matters.

Buy A Good Car

The size and safety of your car matters tremendously in the cost you pay for insurance premiums. If you drive a larger car, you’ll pay less for insurance. If your car is smaller, you’ll pay more for insurance since it’s not as likely to keep you safe behind the wheel. Be careful with your engine size, however. A larger engine is more expensive to insure than a smaller one. The other factor is the safety rating of your vehicle. The safer your car is, the more likely it is to drop your premiums.

Your Driving History

There’s nothing you can do now about the driving mistakes you made in the past, but there’s plenty you can do about the future. Drive safety, don’t get pulled over, and stay out of accidents. The more you have on your record, the higher your insurance premiums will rise in the future. Your driving record tells your insurance company how much you might cost them in the future, and they don’t want anything to do with that. They will all charge more if you’re a risky driver.

Finding the cheapest insurance in Connecticut isn’t difficult, but it’s a job that requires some work. You want to compare prices and rates, and you want to be sure you’re not settling for the cheapest policy when it’s not the most conducive policy. Price is important, but the overall cost of what you pay out-of-pocket if something happens to your vehicle is even more important. It’s also a good idea to call your insurance company before you buy a new car to see what it might cost you to buy what’s on your short list.