Automobile insurance is required in most states by law, but you could be paying more than you should be if you arent careful. There are several factors that affect how much you pay for your Connecticut car insurance policy, some of which you may be able to control.

The Car You Drive

Some cars have been rated safer by insurance companies, providing drivers with lower premiums. If you drive a car with low safety ratings, your premiums are likely higher. If you are in the market for a new car, do your research first and choose a safe option to lower your insurance costs.

Your Driving Record

The length of time that you are accident-free can have a significant impact on your insurance premiums. Good driving habits are often rewarded by Connecticut car insurance companies. While you cannot erase past accidents, you can practice safer driving to improve your premiums in the years to come.

Where You Drive

In general, urban drivers pay more for their insurance premiums than those who live in rural areas. Because the rates of theft, vandalism and accidents are higher, premiums are higher for city drivers in order to cover the cost.

Insurance companies calculate your insurance costs based on a wide range of factors, but you can lower your payments by paying attention to how you drive, what you drive and where you drive.