Tightwads Instructions on Saving on Ashland Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out. Lots of contend to insure your vehicles, so it can be very hard to choose a and uncover the absolute lowest rate

If you are insured now or are shopping for new coverage, you can follow these tips to find better prices while maximizing coverage. Finding the best rates in Ashland is easy if you know what you're doing. Maine vehicle owners just need to know the most efficient way to buy auto insurance online.

Are you getting all your discounts?

Companies offering auto insurance don't always list every discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden auto insurance savings. If they aren't giving you every credit possible, you're paying more than you need to.

  • No Accidents - Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
  • Senior Discount - Mature drivers can possibly qualify for better auto insurance rates.
  • Low Mileage Discounts - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
  • Paperwork-free - A few companies give back up to $50 for buying a policy and signing up on their website.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance.
  • Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Memberships - Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, companies wouldn't make money that way.

To see a list of insurance companies with the best auto insurance discounts in Ashland, follow this link.

Comprehensive Ashland Auto Insurance Comparison Quotes

Most companies such as Progressive, Allstate and GEICO give coverage prices on their websites. Getting online quotes is pretty painless as you simply type in the coverage amounts you desire as detailed in the form. Once you submit the form, their system will obtain information on your driving record and credit history and generates pricing information based on these factors. Online price quotes helps simplify price comparisons, but the time it takes to visit each company's website and repetitively enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step in order to get the best price on auto insurance.

The preferred way to find better auto insurance pricing requires only one form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. After sending the form, your coverage is rated and you are able to buy any of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you type in coverages and limits just like they are on your policy. This makes sure you will receive comparison quotes based on the exact same insurance coverage.

Ashland Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that come into play when calculating auto insurance rates. Understanding what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes some of the items auto insurance companies consider when setting prices.

  • Rates may be higher depending on your occupation - Careers like real estate brokers, architects and accountants tend to have higher rates than average attributed to stressful work requirements and long work days. On the flip side, occupations such as actors, athletes and the unemployed receive lower rates.
  • Safe vehicles cost less to insure - Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
  • Mature drivers pay less - Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teenage drivers tend to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Don't get talked into coverage you don't need - There are a lot of extra coverages that can waste your money if you aren't careful. Coverages like rental car reimbursement, accident forgiveness and term life insurance are examples of these. They may seem like a good idea at first, but if they're wasting money get rid of them and save.
  • Marriage pays dividends - Getting married actually saves money when buying auto insurance. Having a significant other means you're more mature than a single person and it's statistically proven that being married results in fewer claims.
  • Claim-free discounts can add up - Companies in Maine provide better rates to people who are claim-free. If you are a frequent claim filer, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Always keep insurance in force - Driving with no insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance may earn you a steep fine or even jail time.

How can Progressive, Allstate and GEICO save drivers who switch?

Maine drivers can't get away from ads that promise big savings by Progressive, Allstate and GEICO. They all say the same thing that you'll save big if you move to their company.

How do they all say the same thing?

Insurance companies are able to cherry pick for the driver that is profitable for them. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will be quoted more money which usually ends up with business not being written. The ad wording is "people who switch" not "everybody who quotes" save that much. That's the way companies can make the claims of big savings. This emphasizes why drivers must get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

A tidy conclusion

Budget-conscious auto insurance is definitely available on the web and also from your neighborhood Ashland agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and these small insurance companies work with independent agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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Find out more about auto insurance

More detailed Maine auto insurance information can be read at the Maine Bureau of Insurance website. Maine drivers can read industry bulletins, find disaster information, read enforcement actions against agents and companies, and discover disciplinary actions.