Comparing Cheap Anson Auto Insurance

Are you tired of scraping the payment together each month for car insurance? Your situation is no different than many other drivers in Maine.

You have multiple to buy insurance from, and although it's nice to have multiple companies, having more makes it harder to compare rates.

Take advantage of discounts

Companies offering auto insurance don't necessarily list all available discounts very clearly, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

Clubs and Organizations - Participating in a qualifying organization is a good way to get lower rates when buying auto insurance.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Student in College - Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Driver Safety - Taking part in a course in driver safety could save 5% or more if you qualify.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won't be that lucky.

Why some people pay less for insurance in Anson

Smart consumers have a good feel for the different types of things that help determine the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.

The following are some of the factors companies use to determine premiums.

Liability coverage is cheap - Liability coverage will protect you if a court rules you are at fault for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Lower rates with optional equipment - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
Older drivers pay less - Teen drivers in Maine are known to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, file fewer claims and receive fewer citations.
Pay less if you're married - Being married can get you a discount on your policy. Having a spouse is viewed as being more responsible and statistics show drivers who are married are more cautious.
Do you need the policy add-ons? - There are a ton of extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages for roadside assistance, accidental death and motor club memberships may be costing you every month. These may sound like a good investment initially, but if you don't need them eliminate them to save money.
Do you qualify for a multi-policy discount? - Many insurers will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
More claims means more premium - Auto insurance companies in Maine award lower rates to insureds who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies make an identical promise about savings after switching to them. How does each company make almost identical claims? It's all in the numbers.

All the different companies can use profiling for the type of driver that earns them a profit. An example of a profitable customer could possibly be over the age of 40, has no tickets, and has a high credit rating. A driver who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards must pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save money. That's why companies can truthfully state the savings. This illustrates why drivers should get a wide range of price quotes. It is impossible to predict the company that will have the lowest rates.

More Maine auto insurance information

Even more information is available at the Maine Bureau of Insurance website. Maine consumers can find out which companies have the most complaints, view a list of available companies, read enforcement actions against agents and companies, and get help finding coverage.

Affordable insurance is out there

Cheaper auto insurance can be bought online and with local Anson insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, never skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.