How to Find Cheap Bath Auto Insurance

Finding lower rates for Bath auto insurance is challenging for people who are new to shopping for insurance online. People have so many options that it can easily become a ton of work to compare prices in Bath.

It's important to compare rates once or twice a year since insurance rates are constantly changing. If you had the best price a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.

Pricing affordable auto insurance coverage in Bath is quite easy. If you are insured now or are looking for a new policy, you can use these techniques to find better prices while maximizing coverage. Maine consumers only need to know the tricks to compare company rates online.

How to Compare Auto Insurance Costs in Bath

Shopping for lower auto insurance rates can be challenging if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Bath, or you could use the internet to quickly compare rates.

All the larger companies belong to an insurance system that allows shoppers to submit one quote, and at least one company then gives them pricing. This system prevents you from having to do quote forms to each individual auto insurance company.

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

One minor caviat to getting quotes like this is you don't know exactly which companies to receive prices from. So if you want to select individual companies to receive pricing from, we put together a list of companies who write auto insurance in Maine. View list of Maine insurance companies.

It doesn't matter which method you choose, just double check that you are using identical coverages for each comparison quote. If you compare different limits and deductibles on each one you can't possibly determine the lowest rate in Bath.

Bath auto insurance comparison

You have some control over your rates

It's important that you understand the rating factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

  • Men fork out a little more - The statistics show that women are safer drivers than men. However, don't assume that men are worse drivers. Men and women have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like reckless driving and DUI.
  • You might want pay the small claims yourself - Car insurance companies in Maine give lower rates to insureds who are claim-free. If you file claims often, you can expect higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Rates may be higher depending on your occupation - Jobs such as lawyers, executives and financial analysts tend to have higher average rates due to high stress levels and long work hours. Conversely, occupations like farmers, engineers and the unemployed receive lower rates.
  • Optional equipment can affect rates - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Where you reside plays a part - Being located in a small town can be a good thing when buying auto insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer people translates into fewer accidents.
  • How credit affects auto insurance rates - Credit rating is a big factor in your rate calculation. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit scores. If your credit can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.
  • Traffic citations inflate rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation can boost insurance rates forty percent or more. Careful drivers get better rates than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but less common discounts must be specifically requested before being credited. If you're not getting every credit available, you're just leaving money on the table.

  • Senior Discount - Older drivers can possibly qualify for better auto insurance rates.
  • Drivers Education - Require your teen driver to complete a driver education course in high school.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Bundle and Save - When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Braking Control Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Sign Early and Save - Some companies give discounts for signing up before your current policy expires. It can save you around 10%.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of companies with the best auto insurance discounts in Maine, click this link.

Additional information can be found on the Maine Bureau of Insurance website found here. Maine drivers can learn about insurance regulations, download brochures, and read industry bulletins.

compare Bath auto insurance rates

And the best car insurance company is...

While you're price shopping online, it's very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. Your aim should be to purchase plenty of coverage at the best price.

Insureds who switch companies do it for a variety of reasons including denial of a claim, extreme rates for teen drivers, high rates after DUI convictions and unfair underwriting practices. Regardless of your reason, finding a new auto insurance company is not as hard as you think.

In this article, we covered many ideas to lower your auto insurance rates. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from a small mutual company.