Car Insurance in Bowdoinham - 5 Discounts You Might be Unaware of

Buying cheap Bowdoinham car insurance over the internet is somewhat difficult for people who are new to comparison shopping online. With so many choices of insurers to choose from, how can consumers possibly compare them all to find the cheapest rates?

It's important to take a look at other company's rates on a regular basis since rates are constantly changing. Even if you got the best deal six months ago there is a good chance you can find better rates now. So ignore everything you know about car insurance because we're going to show you the only way to reduce your cost while increasing coverage.

Bowdoinham car insurance comparison

Which Car Insurance is Cheapest in Bowdoinham, Maine?

Reducing your insurance rates can be quick and easy. You just have to take time comparing rates provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. The fastest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating boring form submissions for every car insurance company. One form submission compares rates from all major companies. It's the fastest way to compare.
  2. A different way to get quotes online is going to each company's website to complete a price quote. For instance, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.

    To view a list of companies in Bowdoinham, click here.
  3. The least recommended way to compare rates is to waste gas driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance of a local agent. However, consumers can find lower rates online and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for every company. If your comparisons have different liability limits it's not possible to decipher which rate is best in Bowdoinham.

Save big with these 5 discounts

Companies offering auto insurance don't always advertise all their discounts in an easy-to-find place, so here is a list some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • College Student - Kids in college who live away from home and do not have a car may qualify for this discount.
  • Accident Waiver - A few companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Defensive Driver - Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you won't be that lucky.

To choose companies offering car insurance discounts in Bowdoinham, click here to view.

Car insurance ads bend the truth

Consumers can't ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you switch to their company.

How do they all make the same claim?

All companies have a preferred profile for the driver that makes them money. An example of a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will have to pay more money and ends up with business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that much. This is how companies can truthfully state the savings. Because of the profiling, you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

Even more information is available at the Maine Bureau of Insurance website. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, and read consumer alerts.

Best coverage at the best price

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford.

Cheaper car insurance can be found from both online companies and also from your neighborhood Bowdoinham agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

You just learned many tips how you can compare car insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from the least-expected company.