My clients always ask me to get them the best auto insurance in Connecticut. Every time this happens, I tell them that I will do my best.
In almost anything that we do, we can only do our best. With auto insurance it is no different. What people do not understand is, that the power actually lies within the individual looking for the insurance. If that person meets the criteria of a low risk driver or insured, finding lower cost insurance is simple. Most people stay with their insurance carriers for too long. Moreover, they usually don’t shop for something new until they realize they have been paying too much for years.
Make the Most Out of Your “Power”
The first step in wielding your power is being an insured that most companies want. Then, shop for the best auto insurance carrier in Connecticut that works best for you. This is hard, because most people do not have time. You can spend a day or two looking on the internet for carriers that work for you. Most of the time, you end up tired and will just pick the last one you dealt with. This is why I recommend an Insurance Broker to help you shop for auto insurance,
Brokers are typically situated to look at multiple carriers at one time, and they understand the appetite of the carries, which takes all the legwork out of your hands, and you do not pay them. Now full disclosure I am biased, because I am a Broker, but you can make the choice for yourself as to what the best option is.
One Thing to Keep in Mind about Auto Insurance
Although shopping for insurance is a key point to wielding your power, you do not want to look too often. What I mean by this is if you switch companies every year, it will end up hurting you, because insurance companies like to see a steady history with other companies, which makes you more attractive to them, because they know you will be there for a while.
Just like any relationship, do you want to date someone who has commitment issues, always looking for the next best thing? I told you, it’s a tricky relationship. My recommendation is to try to look every two years, if you have had no accident or violations, and every three to five years from your most recent accident or violation. Those time lines should allow you to find the best cost for your auto insurance.
Ultimately who do you think is responsible for getting you the best auto insurance rate possible? It will be you, or your insurance broker, and typically the broker will do it faster, so keep that in mind, again I am biased, good luck.