Proven Ways to Save on Bucksport Car Insurance

Paying for high-priced car insurance can dwindle your savings account and force you to make sacrifices. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices quite often due to the fact that insurance rates are constantly changing. Even if you think you had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

Policy discounts you shouldn't miss

Companies that sell car insurance do not list every available discount very clearly, so the following is a list of both the well known and the more hidden ways to save on car insurance.

  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
  • Low Mileage - Low mileage vehicles could qualify for better rates on cars that stay parked.
  • E-sign - Certain companies may give you up to $50 for buying your policy over the internet.
  • Resident Student - Any of your kids living away from home attending college and don't have a car can receive lower rates.
  • Own a Home - Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

Bucksport car insurance quote

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there isn't really a perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether your personal situation might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in Maine?
  • Should I buy additional glass protection?
  • Is my vehicle covered for flood damage?
  • Does medical payments coverage apply to all occupants?
  • Why does it cost so much to insure a teen driver in Bucksport?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make the same claim about savings if you change to their company. How does each company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. A good example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will be charged more money which leads to the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the way they do. That is why you should get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest rates.

Even more information can be read at the Maine Bureau of Insurance website. Visitors are able to read consumer alerts, learn about insurance regulations, discover disciplinary actions, and get help finding coverage.

Bucksport car insurance comparison

Final considerations

When shopping online for car insurance, never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Cheaper car insurance is attainable both online and also from your neighborhood Bucksport agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.