7 Ways to Save on Car Insurance in Bangor

No one in their right mind looks forward to paying for car insurance, particularly when the cost is too high.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to check car insurance prices periodically since rates are constantly changing. Despite the fact that you may have had the best rates a few years ago there may be better deals available now. There is a lot of bad advice regarding car insurance online but I'm going to show you some great ways to stop overpaying for insurance.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage in Bangor is not that difficult. Although Pennsylvania consumers do need to know the way companies compete online.

Bangor car insurance comparison

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Good Student - Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Senior Citizens - Older drivers may be able to get reduced rates.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Bundle and Save - When you have multiple policies with one company you may earn up to 20% off your total premium.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Accident Forgiveness - A handful of insurance companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of companies who offer car insurance discounts in Bangor, click here to view.

Bangor Car Insurance Comparisons

There are several ways to shop for car insurance, and some are less time-consuming than others. You can waste hours talking about coverages with agents in Bangor, or you could save time and use online quoting to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that allows shoppers to submit their information once, and every company then gives them pricing for coverage. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is you can't choose the companies to receive prices from. So if you prefer to choose specific providers for rate comparison, we put together a list of car insurance companies in Pennsylvania. Click to view list.

It's up to you which method you use, but be sure to compare exactly the same coverage information with each company. If you use unequal deductibles or liability limits it's impossible to make an equal comparison in Bangor. Quoting even small variations in coverages can make a big difference in price. Keep in mind that quoting more will increase your chances of finding the best offered rates.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different so your insurance should reflect that For example, these questions may help highlight whether or not you might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Should I buy additional glass protection?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Affordable insurance is out there

As you shop your coverage around, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford.

We just covered some good ideas how you can get a better price on car insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from some of the lesser-known companies. These companies may cover specific market segments cheaper compared to the large companies like .