Free Guide to Spending Less for Cape Elizabeth Auto Insurance Online

I can't think of a single person who likes having to buy auto insurance, in particular when the cost is too high. Since consumers have many online and local companies to choose from, it can be hard to pick the lowest cost car insurance company.

Choosing the best insurance company for you in Cape Elizabeth is quite easy. If you are insured now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Maine drivers only need an understanding of the most effective way to find the lowest price online.

Don't pay full price with these discounts

Companies offering auto insurance don't list every discount very well, so the following is a list of both well-publicized and the more hidden auto insurance savings. If you don't get every credit you qualify for, you're paying more than you need to.

Military Discounts - Having a deployed family member can result in better rates.
Air Bag Discount - Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Memberships - Participating in a professional or civic organization could qualify you for a break when shopping for auto insurance.
Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
Paperwork-free - Certain companies will discount your bill up to fifty bucks simply for signing online.

It's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it doesn't quite work that way.

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

Auto Insurance Comparison Rates in Cape Elizabeth, ME

Shopping for lower auto insurance rates is a ton of work if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in Cape Elizabeth, or you can utilize online quoting to get the quickest rates.

Many insurance companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company provides a quote based on that information. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of system is you are unable to specify which carriers to get quotes from. So if you prefer to choose specific providers to compare, we have a listing of low cost auto insurance companies in Maine. View list of Maine insurance companies.

Whichever way you use, be sure to compare apples-to-apples coverages on every quote. If the quotes have different limits and deductibles on each one it will be next to impossible to make a fair comparison in Cape Elizabeth.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to lower auto insurance prices.

Drive a safer car and pay less - Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
Better credit scores mean better rates - Having a bad credit rating is a large factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit history can use some improvement, you could pay less to insure your by improving your rating.
Too many auto insurance claims drive up costs - Companies in Maine provide discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher rates. Auto insurance is designed for larger claims.
Discounts for multiple policies - The majority of companies provide better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare rates to confirm you are receiving the best rates possible.

Your personal situation dictates your coverage

When choosing coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Am I getting all the discounts available?
Am I covered when pulling a rental trailer?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

The auto insurance bait and switch

Maine consumers can't get away from ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all say the same thing of big savings if you move your policy.

But how can every company make almost identical claims?

All companies have a certain "appetite" for the right customer that is profitable for them. A good example of a driver they prefer could possibly be a mature driver, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile will get the preferred rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently make the claims of big savings. This emphasizes why drivers must get as many quotes as possible. It's impossible to know which company will fit your personal profile best.

Best coverage at the best price

You just read many ways to compare auto insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a company that doesn't do a lot of advertising. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as .

As you shop your coverage around, do not reduce coverage to reduce premium. There have been many situations where someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

More tips and info about auto insurance can be read at the Maine Bureau of Insurance website. Maine consumers can find disaster information, find out industry alerts, download brochures, and read consumer alerts.

Additional helpful sites include this page for auto insurance prices in Maine and this page of Cape Elizabeth insurance agents.