Embden Car Insurance For Less Than You're Paying Now

If online car insurance comparisons are new to you, you may be confused by the sheer number of car insurance companies competing for business in Embden.

It's important to shop coverage around periodically due to the fact that insurance rates are constantly changing. Just because you had the best rates a year ago there is a good chance you can find better rates now. There is a lot of wrong information about car insurance on the web, but we're going to give you some great ways to reduce your car insurance bill.

Tips to Get Lower Embden Rates

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get big savings.

What type of vehicle do you drive? - The type of car you drive makes a huge difference in the rate you pay. The lowest base rates are generally reserved for economy passenger cars, but the cost you end up paying is determined by many additional factors.
Bad driving skills means higher rates - Drivers who don't get tickets get better rates than bad drivers. Even a single moving violation can bump up the cost twenty percent or more. Drivers who get serious violations such as DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
Policy add-ons can waste money - There are many additional coverages you can purchase when buying car insurance. Things like roadside assistance, better glass coverage and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so remove them from your policy.
Teen drivers pay high rates - Youthful drivers in Maine are statistically proven to be less responsible behind the wheel so car insurance rates are higher. If you've ever had to add a teenage driver onto a policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.

How to Get Embden Car Insurance Comparison Quotes

Reducing your insurance rates is surprisingly easy. You just have to take a couple of minutes getting comparison quotes from different insurance companies. This can be accomplished in a couple of different ways.

The fastest way to find low rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions to each individual car insurance company. Just one form will return quotes from multiple companies. Just one form and you're done.
A slightly less efficient method to get quotes online is to take the time to go to each company website and complete a new quote form. For examples sake, let's assume you want to compare , and . To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker.

To view a list of companies in Embden, click here.

Whichever method you choose, be sure to compare apples-to-apples coverages and limits on every quote. If you use different deductibles then you won't be able to make a fair comparison in Embden.

Save big with these discounts

Companies that sell car insurance do not list every available discount very well, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you don't get every credit you qualify for, you are paying more than you should be.

Early Signing - Some companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
Defensive Driver - Taking part in a defensive driving course can save you 5% or more if your company offers it.
Resident Student - Youth drivers living away from home attending college and do not have a car may qualify for this discount.
Life Insurance Discount - Companies who offer life insurance give a break if you buy auto and life insurance together.
Homeowners Savings - Being a homeowner can save you money because owning a home demonstrates responsibility.

As a disclaimer on discounts, some credits don't apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To choose providers offering car insurance discounts in Maine, click here.

Car insurance ads bend the truth

Consumers in Maine can't ignore all the ads for cheaper car insurance from the likes of State Farm and Allstate. All the ads have a common claim about savings if you switch your coverage to them.

But how can every company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the type of customer that makes them money. A good example of a preferred risk might be over the age of 50, a clean driving record, and has excellent credit. Any driver that hits that "sweet spot" is entitled to the best price and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be charged higher rates and this can result in the customer not buying. The ads state "customers who switch" not "people who quote" save that much money. That is how companies can truthfully make those claims. That is why you need to get quotes from several different companies. You cannot predict which company will have the lowest rates.

But I don't know anything about car insurance

When buying coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions may help highlight if your situation may require specific advice.

Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Maine?
Should I rate my vehicle as pleasure use or commute?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
When do I need to add a new car to my policy?

If you can't answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Even more information can be read at the Maine Bureau of Insurance website. Visitors are able to learn about specific coverages, file complaints about a company, and discover disciplinary actions.

Other informative sites include III.org's auto insurance page and this directory of insurance agents in Embden Maine.

A tidy conclusion

We just presented a lot of ways to compare car insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheap car insurance is available both online as well as from independent agents in Embden, and you should be comparing both to get a complete price analysis. Some companies don't offer online price quotes and many times these small insurance companies only sell through independent insurance agents.