How to Know You're Spending Too Much for Auto Insurance in Enfield

Paying for high-priced auto insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Comparison shopping is a smart way to lower your monthly bill. Numerous battle for your business, and because of this it can be hard to compare and uncover the absolute lowest price

It's important to take a look at other company's rates yearly because prices are constantly changing. If you had the best price last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.

How to Get Cheap Auto Insurance in Enfield, ME

There are several ways to compare auto insurance quotes, and some are more efficient than others. You can spend countless hours talking to insurance agencies in Enfield, or you could use the web to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that allows shoppers to enter their policy data once, and at least one company then gives them pricing. This eliminates the need for quote forms to each individual auto insurance company.

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

One minor caviat to using this type of system is you are unable to specify the providers you want pricing from. If you wish to select from a list of companies to compare rates, we put together a list of companies who write auto insurance in Maine. View list of Maine insurance companies.

Which method you use is up to you, but make sure you use the exact same coverages on every quote. If you are comparing different limits and deductibles on each one then you won't be able to make a fair comparison in Enfield.

Be sure to get all your discounts

Auto insurance companies don't always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known auto insurance savings. If they aren't giving you every credit you deserve, you're paying more than you need to.

  • Accident Waiver - A few companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • No Accidents - Drivers who don't have accidents can save substantially as compared to bad drivers.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Sign Online - A few companies may give you up to $50 for buying your policy on their website.
  • College Student - Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

A little note about advertised discounts, most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

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

How do I know if I need professional advice?

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you would benefit from professional advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • 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?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Learn more about auto insurance in Maine

Even more information can be found at the Maine Bureau of Insurance website. Visitors are able to get help finding coverage, file complaints about an insurance agent or broker, read industry bulletins, and find out which companies have the most complaints.