Who Has the Cheapest Car Insurance Rates in Bridgeport?

Bridgeport, Connecticut is a small city with a population of around 144,900. Nevertheless, it’s the largest city in the state of Connecticut and is considered part of the New York City megalopolis. Despite its small size, drivers ages 16 and up spend an average of 28.4 minutes commuting to their jobs, which is higher than the national average. The average household income in Bridgeport is around $45,400. Bridgeport has a low vehicle theft rate, with only 1,495 thefts occurring in 2018, as noted by the National Insurance Crime Bureau (NICB). That translates to a rate of 158.4 per 100,000 vehicles for a rank of #229 in the United States.

Despite low theft rates, drivers may experience high auto insurance premiums in this city. The average annual auto insurance premium for Bridgeport drivers is $2,333, more than $600 higher than the national average. Bridgeport’s insurance rates are on par with auto insurance rates in Connecticut as a whole. The state of Connecticut has more insurance coverage requirements that many other states, which is a factor in driving up annual rates.

What are the Insurance Requirements in Bridgeport?

Liability coverage is necessary in Connecticut with a minimum of $20,000 bodily injury per person, $40,000 bodily injury per accident, and $10,000 property damage per accident. Connecticut also requires uninsured/underinsured motorist coverage that pays for injuries and lost wages that you or your passengers may suffer in an accident if the driver at fault doesn’t have insurance or has a low-paying policy. Many people opt for higher amounts of coverage to protect their assets in the event of a catastrophic accident. Drivers should consider getting the highest level of coverage that they can comfortably afford in order to protect themselves and their assets. If you don’t carry sufficient insurance, you may still be liable for damages if you are at fault in a motor vehicle accident.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Bridgeport by Insurer

Several companies offer inexpensive auto insurance premiums in Connecticut. These companies include Allstate Fire and Casualty Insurance Co., Foremost Insurance co., Geico General Insurance Co., Nationwide Mutual Insurance Co., etc. Automatically accepting a policy with the lowest premium isn’t always a good idea. Be sure to check the company’s ratings, customer service, as well as what benefits you get before you commit.

Are you looking for cheap car insurance close by? Check out this guide to help you.

Low Cost Auto Insurance for Bad Credit in Bridgeport

Maintaining a good credit history will help you avoid high auto insurance premiums in Connecticut. Bad credit isn’t the only factor that can increase your rates. The type of vehicle you own, its age, your driving record, installed safety and anti-theft devices, and other factors will affect the amount you pay to your insurance company, as well.

This guide here can help you find the lowest cost car insurance companies near you.

Differences Between the Two Main Coverages

What is Liability Only Insurance Coverage?

Liability-only coverage means coverage that only pays for the loss others incur if you are at fault in an automobile accident. These are for the medical expenses, other property damage or car repairs that you cause to another or their property in an accident.

One has the option of paying for more than the state minimum requirements outlined above for liability insurance. That is a good idea because you will be personally liable from your own finances and assets if you harm someone else or their property in an accident and your state minimum coverage levels do not fully reimburse the losses of the other party.

What Full Coverage Covers

Full coverage means that you not only have adequate insurance to cover the losses of others if you are at fault in an accident. Full coverage means you have all the liability coverage you need to care for the harm to others if you have an accident and are at fault, and you have coverage for your own losses as well. There are two main kinds of other coverages that drivers purchase in order to repair their vehicles in the event of an accident they cause:

What is Collision Coverage?

Collision insurance covers the cost of repairing your own car if you are in an accident that is your fault. A way to save money on collision insurance is to purchase it with a higher deductible. For example, it will likely be very expensive to have collision coverage on your vehicle with a $500 deductible, but a $1,500 deductible or a $2,000 deductible will save considerable money on your automobile full coverage policy.

What is Comprehensive Coverage?

Comprehensive insurance covers the cost of repairing your vehicle for those things that were not your fault, like extreme weather that damaged your vehicle, or a deer that walked in front of you, theft, or vandalism. Comprehensive insurance tends to be much cheaper than collision. Even those with older vehicles may benefit from carrying comprehensive insurance because it is relatively cheap and will cover things like windshield replacement.

Key Differences Between Full Coverage and Liability Only

The main difference between liability and full coverage insurance is that full coverage will cost more than liability insurance and this is because it protects you against many more possible risks that liability doesn’t cover.

In addition, liability insurance only covers other people’s injury claims and damages to other vehicles where full coverage will cover other’s injuries and vehicle damages as well as your injuries and damage to your own vehicle.

Average Annual Car Insurance Rates in Connecticut by City

Additional cities in Connecticut you can check out.

New Haven, CT

Ways to Obtain a Lower Cost Auto Insurance Policy

Save on Your Insurance Policy Rates With These Discounts in Bridgeport:

  • Shop around –

    As you can see from these few examples, the rates insurers charge for the very same driver demographics can vary incredibly. The television commercials by the insurers tell us we can save hundreds of dollars on automobile insurance. Actually, you could save a thousand or more dollars on your insurance each year.

  • Drive defensively –

    If you can stay out of accidents and don’t accrue moving violations, you can save a lot of money on your automobile insurance. People with too many accidents and moving violations have trouble getting insured at any rate.

  • Drive an older car –

    If you have a car that is too old and not worth enough to carry collision insurance, you can save quite a bit of money. This especially applies to younger drivers whose insurance costs are much higher. If they can drive an older vehicle that would just require liability insurance and maybe some inexpensive comprehensive insurance, they can save at least a thousand dollars or more on insurance.

  • Buy collision insurance with a high deductible rate –

    The higher deductible rate you can tolerate in the event of a collision and the need to repair your vehicle, the lower your collision insurance cost will be. Your collision insurance rate will be really high if your deductible is only around $500. If you can tolerate $1,500 or so, you can save quite a bit of money on this portion of your annual insurance rate.

  • Bundle your home and automobile insurance policies –

    If you can buy your automobile and home insurance from the same company, you will likely save money. Most insurers offer a substantial discount for having your home and auto policy with them.

Using this guide to take full advantage of all driver discounts.

What are the Factors that Affect Your Auto Insurance Premiums?

There are many factors that affect your insurance rates, number one being your driving record and whether or not you have had previous accidents where you were at fault. Other things that can affect the amount you will have to pay for auto insurance are:

  • The company that ensures you
  • Not only the city and state you live in but the area (zip code) you reside in as well
  • Your age
  • Whether you are male or female
  • Your earnings
  • Marital status
  • Your credit score
  • Speeding tickets or other tickets you have incurred
  • How many years of driving experience you have
  • How many miles you drive regularly, including your commute to work
  • The year, make, and model of your vehicle
  • Where you park your car when not in use

Use this guide to find low cost rates with accidents from the top insurance companies.

Helpful Bridgeport, Connecticut Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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