9 Methods to Save on Car Insurance in Thomaston Maine

Expensive car insurance can overdraw your bank account and put a big crunch on your finances. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

Be sure to get all your discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you get a quote, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit you deserve, you're just leaving money on the table.

Payment Method - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
Auto/Life Discount - Some companies give a discount if you purchase a life insurance policy as well.
Distant Student - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
Accident Waiver - Certain companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Military Discounts - Having a family member in the military may qualify for rate reductions.
Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
Low Mileage Discounts - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.

It's important to note that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of insurance companies who offer car insurance discounts in Maine, click this link.

Where Can I Get Cheap Thomaston Car Insurance?

There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance companies in Thomaston, or you can stay home and use the web to achieve your goal.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each participating company provides a quote for coverage. This system prevents you from having to do quotation requests to each individual car insurance company.

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

One minor caviat to doing it this way is you cannot specify the companies to get quotes from. If you wish to select specific providers to compare rates, we have assembled a list of the cheapest car insurance companies in Maine. Click to view list.

It's up to you how you get prices quotes, just make sure you use identical coverage information for each price quote. If you use unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate in Thomaston.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique so this has to be addressed. For example, these questions can help discover whether or not you would benefit from an agent's advice.

Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Thomaston?
Does my policy cover me when driving someone else's vehicle?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, free and may give you better protection.

In the end, you save

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Lower-priced car insurance can be bought from both online companies in addition to many Thomaston insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.