Finding Cheap Ellsworth Auto Insurance

Nobody likes having to buy auto insurance, especially knowing they are paying too much.

Drivers have so many to pick from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices periodically since insurance rates are constantly changing. Even if you think you had the best rates on your last policy you can probably find a lower rate today. Don't believe everything you read about auto insurance on the internet, so we're going to give you some great ways to find affordable auto insurance.

Ellsworth auto insurance quote

How to Get Ellsworth Auto Insurance Comparison Quotes

The are a couple different ways to compare rate quotes from different Ellsworth insurance companies. The best method to compare insurance prices is to perform an online rate comparison. This can be done in several different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form saves time by eliminating separate quote forms for each company. Just one form will get you price quotes from many national carriers.
  • A harder way to shop for auto insurance online requires a visit to the website for each individual company to complete a price quote. For example, let's assume you want to compare , and . You would have to visit each site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Ellsworth, click here.

It's up to you how you get prices quotes, just be sure to compare identical coverage limits with each company. If you have differing limits then you won't be able to make an equal comparison in Ellsworth. Having just a slight variation in coverages can result in a big premium difference. Keep in mind that comparing a large number of companies helps you find better pricing.

Policy discounts you shouldn't miss

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about before you will receive the discount.

  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Passive Restraints - Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Safety Course Discount - Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Claim Free - Good drivers with no accidents pay less compared to bad drivers.
  • Multiple Cars - Buying insurance for all your vehicles on the same auto insurance policy can get a discount on all vehicles.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of providers with discount auto insurance rates in Maine, click this link.

Insurance agents can help

When choosing coverage for your vehicles, there isn't really a single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions may help highlight whether your personal situation would benefit from an agent's advice.

  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I wreck a rental car?

If it's difficult to answer those questions, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Additional information can be read on the website for the Maine Bureau of Insurance found here. Maine drivers can find out industry alerts, file complaints about a company, discover disciplinary actions, and file complaints about an insurance agent or broker.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Ellsworth insurance agents.