Shopping for home and car insurance may not be something you look forward to, but in today’s society, insurance is a necessary evil. Most mortgages require homeowner’s insurance, and most states in the US also require minimal auto insurance. Beyond the simple legality aspect of it, however, you want to carry home and car insurance to protect you and your family in case of emergency. For this reason, when you need home insurance in CT or auto insurance in CT, you need someone you can trust. Someone who’s in your hometown and understands the daily needs of a family. Here at Scott Insurance, we’re family owned and have been in business for decades. As opposed to large insurance companies who have agents that work in phone banks, our offices are right here, always willing to help you understand your insurance. Should it come time to file a claim, you want the best.
Homeowner’s insurance can help protect your investment in the event of many different types of emergencies, from natural disasters to theft and burglary. Different policies have different clauses, however, and instead of signing a confusing insurance contract, we’re here to walk you through every step of purchasing homeowner’s insurance. Your home is your largest investment, and you do want to make sure you’re well-protected, but also as economically as possible. We can help you do that.
When it comes to car insurance, we can find you the most economical choice to your benefit as well. We’ll go over and review comprehensive, liability, and collision insurances, making sure that you understand each type and how it can benefit you. We’ll find you the best rate for your family and your budget.
Scott Insurance Is Your Full-Service CT Insurance Provider
People don’t often look forward to buying insurance, whether it’s for your home, car, or a different type of insurance, such as renter’s, liability, or life insurance. Getting multiple quotes and figuring out just what you need for coverage can be a hassle. Larger corporations may offer promises of saving money for switching over, but when you’re connected to an agent who’s thousands of miles away, you may not always be sure of what you’re getting.
Here at Scott Insurance, we’ve been serving Stratford and the surrounding areas since 1949. Happy to be your local, hometown insurance company, our office is right here with any needs and questions you have concerning policies. And, we’re only a phone call away. With the ability to cover all of your insurance needs here in CT, we are the agents to call.
If you’re having trouble understanding what you need when it comes to auto and home insurance in CT, our agents are glad to help iron out the wrinkles. Always with your best needs in mind, we can help you decide what kind of coverage you need, while saving you money at the same time.
If you’re in the market for CT life insurance, or other insurances such as liability, marine insurance, or renter’s insurance, we can help as well. In fact, we can bundle all of your insurance policies into one low monthly payment, so you don’t have multiple bills to pay to different companies on different days. Convenience is key.
If you need help streamlining your insurance options, or simply just want better insurance at a lower rate, call Scott Insurance today at 203-375-5847 or contact us through the secure web form with any questions you may have.
How to Keep Down Automobile Insurance Costs
One way to pare down automobile insurance costs is to purchase an automobile that is less expensive to repair than other vehicles under consideration. The most deliberate way to make this type of comparison is to look for various vehicles’ ratings in the “Relative Collision Insurance Cost Information Booklet,” which is available each year from the National Highway Traffic Safety Administration. In addition, the Highway Loss Data Institute provides data on each make and model’s relative-loss costs for liability (bodily injury, personal injury, medical payments, and property damage) in addition to data for collision and comprehensive costs. All these factors help determine how costly automobile insurance will be for any specific vehicle.
NOTE: The simplest way to find out how much it will cost to insure a car is to ask your insurance agent for a premium quote before you make your purchase decision.Read More
The Dangers of Sharing too Much Information
If the vehicle that you are driving is involved in a crash with another automobile, how much information should you share with the other driver? According to a survey conducted last year by the National Association of Insurance Commissioners (NAIC), many drivers are actually sharing too much information. While state laws vary, the general recommendation is that you provide only your name and auto insurance information (including the name and phone number of your auto insurance provider). However, the NAIC survey reveals that 38% of respondents thought they should share their driver’s license information, their home address (25%), and/or telephone number (29%). The NAIC warns that sharing this additional personal information makes drivers more vulnerable to identity theft and robbery.
NOTE: According to the NAIC survey mentioned above, nearly 20% of respondents believed that they should only call the police after an accident if a person is injured. However, filing a police report can help facilitate the insurance claim process regardless.Read More
Learning Safe Driving in the Winter
On the east coast snow and bad weather is just a part of life. And when snow is coming down outside it is usually best to just stay indoors and wait it out. But when that isn’t an option there are several best practices to follow to stay safe on wintry roads. If you drive reckless in the snow ad get in an accident, your auto insurance rates will increase. If you live in Connecticut or really anywhere that has harsh winters you surely have your own technique for driving in the snow. But it’s never too late to learn a few new tricks. That’s why we decided to share Travelers’ Driving Safely in Winter Weather Guide.
You’ll find some great tips for staying safe while driving during the winter, so check it out.Read More
Do You Know Your Credit Score?
Financial experts suggest that you regularly check your credit score because a good credit history helps qualify you for better interest rates on loans and credit cards. In some cases, a high credit score may also help to ensure lower auto insurance premiums since insurance companies have found that there is a correlation between consumers’ credit history behaviors and expected claims. Car owners may want to keep this in mind when shopping for auto insurance. If your credit history is not very good, you may want to shop among insurance companies that limit themselves to using your age, driving history, type of vehicle, and where you live when determining how much you should pay for your insurance.
NOTE: To save money on auto insurance premiums, consider bundling all your policies (homeowner’s, auto, etc.) with one company that offers multi-policy discounts.Read More