New Britain Car Insurance

New Britain, Connecticut, is the home of the wire coat hanger, Stanley Black and Decker Tools and many charming municipal parks, but this city cannot brag about having the lowest car insurance rates.

Licensed drivers in New Britain must work harder to find the most affordable car insurance at renewal time, or when the status of the insured driver changes.

Enter your zip code above to find car insurance premiums to fit your budget today!

All licensed drivers in New Britain must drive with proof of insurance or pay a stiff penalty.

The minimum coverage required to drive legally in New Britain is:

• $20,000.00 protection per person and $40,000.00 per accident for bodily injury
• $10,000.00 per accident for property damage
• $20,000.00 protection per person and $40,000.00 bodily injury per accident of uninsured or underinsured motorist protection.

Insurance carriers are required to report all insurance cancellations to the Connecticut Department of Motor Vehicles. Licensed drivers caught without insurance must pay a $200.00 fine and buy car insurance or have their driver’s licenses suspended.

Real Licensed Drivers in New Britain

Jeanette, age 32, and Don, age 35, are married with 3 children who are not yet close to driving age. They own a 2010 Chrysler minivan and a 2012 Honda Fit.

Jeanette was involved in an at-fault accident in April 2014 with property damage in excess of $2,000; she was given a citation for careless driving. Don has not been involved in any accidents in the past 3 years or had any traffic violations.

They have an extended level insurance policy which provides the following level of coverage in Connecticut:

• $100,000.00 per person and $300,000.00 per accident for bodily injury.
• $50,000.00 for property damage
• $100,000.00 per person and $300,000.00 per accident for bodily injury in incidents with uninsured or underinsured motorist.
• $50,000.00 for property damage incurred with incidents involving uninsured or underinsured motorists.
• $75.00 towing allowance
• $600.00 rental car allowance

Extended level coverage includes a $500.00 deductible

The following insurance companies have the same extended level coverage available to Don and Jeanette at these monthly installment prices:

1. Amica - $226.00
2. Progressive - $257.00
3. Allstate – $290.00
4. Liberty Mutual - $487.00
5. Geico - $558.00

Without the car accident in April, the monthly extended level insurance prices that would have been available to Jeanette and Don are listed below:

1. Progressive - $178.00
2. Amica - $208.00
3. State Farm - $227.00
4. Allstate - $234.00
5. Geico - $240.00
6. Nationwide - $272.00
7. Travelers – $287.00
8. Liberty Mutual - $437.00

Jim and Mary are in their mid-sixties and retired. They are avid travelers and still enjoy skiing.

A 2012 Toyota Prius is their vehicle of choice for local errands and overnight trips. For ski trips that require a more rugged vehicle, their 2008 Subaru Forester is put into action.

Although a low deductible payment is not a big issue, Jim and Mary have some investments worth protecting and choose a premium level of insurance for greater coverage in the event of a lawsuit.

Premium Level Coverage includes:

• $250,000.00 per person and $500,000.00 per accident for bodily injury.
• $100,000.00 for property damage.
• $250,000.00 per person and $500,000.00 per accident for uninsured and underinsured motorist bodily injury protection.
• $100,000.00 uninsured and underinsured motorist property damage
• $75.00 towing allowance
• $900.00 rental car coverage
• Full glass coverage

Premium level coverage requires a $250.00 deductible payment.

Jim and Mary can choose between the following insurance companies and monthly prices in New Britain:

1. Progressive - $240.00
2. Amica - $261.00
3. State Farm – $273.00
4. Nationwide - $302.00
5. Travelers - $ 333.00
6. Geico - $349.00
7. Allstate - $391.00
8. Liberty Mutual - $644.00

As Jim and Mary become more accustomed to retirement, they consider ways to reduce expenses without giving up certain pleasures. They realize they really do not need the expense of two cars and decide to give the Subaru to their grandson.

They still want to keep the premium level coverage to protect their assets. With only the Prius to insure, monthly insurance prices drop significantly, even with premium level coverage.

1. Progressive - $148.00
2. State Farm - $171.00
3. Travelers - $177.00
4. Nationwide – $181.00
5. Amica - $212.00
6. Geico - $232.00
7. Allstate - $302.00
8. Liberty Mutual - $467.00

Jeremy, the 23-year-old grandson of Jim and Mary is thrilled to learn his grandparents have decided to give him their 2008 Subaru. Before Jeremy will get possession and ownership of the vehicle, he will have to have car insurance.

Jeremy is taken aback when he learns how much he will have to pay for basic level coverage in New Britain.

Basic level coverage would cover damages and injury to Jeremy as opposed to minimum liability which would only cover damages and injury to the other driver in the event he is the at-fault driver.

Basic Level Coverage includes:

• $50,000.00 per person and $100,000.00 per accident for bodily injury.
• $25,000.00 for property damage protection.
• $50,000.00 per person and $100,000.00 per accident for uninsured and underinsured motorist
• bodily injury coverage.
• $25,000.00 for property damage caused by uninsured and underinsured motorists.
• $50.00 towing allowanceBasic level deductible is $500.00.

The Basic level deductible is $500.00.

Monthly installment prices in New Britain for basic level coverage for a person like Jeremy are as follows:

1. Geico - $212.00
2. Progressive – $214.00
3. State Farm - $271.00
4. Allstate - $287.00
5. Amica - $308.00
6. Travelers - $416.00
7. Liberty Mutual - $432.00

In order to get the minimum coverage that is legally required, Jeremy has the following choices:

1. Geico - $89.00
2. Progressive - $105.00
3. Allstate - $114.00
4. State Farm - $132.00
5. Liberty Mutual - $154.00
6. Amica - $194.00
7. Travelers - $208.00

Jeremy is very concerned about his ability to pay for car insurance. The Subaru would be his most valuable asset and he really wants money available to repair the car in the event of an accident.

Jeremy actually did some research and found the market value of the Subaru to be almost $10,000.00. He wants the car very much and his grandparents would like him to have the car.

After discussing the insurance costs with Jim and Mary, they let Jeremy know that they think he should pay more money and get basic car insurance coverage.

They assure Jeremy that if he were to find himself in a financial bind, they will assist him financially if behaves responsibly.

Jeremy decides to purchase basic level coverage with Geico, and he finds that as gets older, even one year older, his insurance rates will decrease as long as he remains a careful driver.

If Jeremy were 24, his basic level insurance choices would improve significantly.

1. Progressive - $150.00
2. Geico - $165.00
3. State Farm - $189.00
4. Allstate - $189.00
5. Amica - $189.00
6. Travelers - $262.00
7. Liberty Mutual - $402.00

Car insurance costs in New Britain are higher than many other communities.

Higher insurance prices mean savings are more significant. Insurance consumers in New Britain should always compare prices at renewal time because insurance companies discount premiums differently.

In addition to price comparisons at renewal, consumers should ask every company about good driver discounts, multi-vehicle discounts, and possible savings when homeowners insurance is bundled with car insurance.

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