6 Ways You Can Buy Car Insurance for Less in Boothbay Harbor Maine
Are you intimidated by the wide range of car insurance company choices in Boothbay Harbor? You're not alone. Consumers have so many options that it can turn into a real challenge to find lower rates.
It's important to price shop coverage every six months since rates are constantly changing. Just because you found the best rates six months ago there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to reduce your car insurance bill.
Compare Quotes for Boothbay Harbor Car Insurance
All major car insurance companies like State Farm, GEICO and Progressive allow you to get coverage price quotes online. Getting quotes doesn't take a lot of time as you just type in the coverages you want as detailed in the form. After the form is submitted, the system will obtain information on your driving record and credit history and provides a quote.
Quoting online makes it a lot easier to compare rates but the work required to visit a lot of sites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible in order to find the best price on car insurance.
There is a better way!
The preferred way to lower your rates is to use a quote form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online price comparison much easier. Once the form is submitted, it is rated and you can select any one of the resulting price quotes.
If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.
To find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter the coverages as shown on your current policy. This makes sure you're receiving a fair comparison for the exact same coverage.
Are you getting all your discounts?
Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply at quote time, but some may not be applied and must be requested specifically in order for you to get them.
- Sign Online - Certain companies may give you up to $50 just for signing your application over the internet.
- Multiple Vehicles - Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
- No Charge for an Accident - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
- Payment Method - By paying your policy upfront instead of making monthly payments you could save 5% or more.
- Life Insurance Discount - Some companies give a discount if you purchase a life insurance policy as well.
- Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.
Keep in mind that some credits don't apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the cost of coverage.
To choose companies who offer car insurance discounts in Maine, click here.
How can State Farm, GEICO and Progressive save drivers who switch?
Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on television and other media. They all seem to have a common claim that you can save after switching your policy. How does each company claim to save you money?
All companies are able to cherry pick for the right customer that makes them money. A good example of a desirable insured might be between 30 and 50, has no driving citations, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and as a result will probably save when switching.
Potential insureds who are not a match for these standards will have to pay more money and this can result in the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can state the savings.
Because of the profiling, you need to get as many comparisons as possible. It's just too difficult to predict which car insurance company will have the lowest rates.
More information can be read on the Maine Bureau of Insurance website located here. Visitors are able to get help finding coverage, find out which companies have the most complaints, and file complaints about an insurance agent or broker.
The best insurance company isn't always the cheapest
Affordable car insurance can be sourced both online in addition to many Boothbay Harbor insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.
As you restructure your insurance plan, never reduce coverage to reduce premium. In many cases, someone sacrificed full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy the best coverage you can find at a price you can afford.
We just covered a lot of ways to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the best prices are with the least-expected company.
