Proven Techniques to Save on Fairfield Car Insurance

I can't think of a single person who likes having to buy car insurance, especially when their premiums are too high.

Because you have many car insurance companies to choose from, it's nearly impossible to pick the cheapest insurer.

Finding affordable coverage in Fairfield is quite easy. If you have car insurance now, you will be able to cut costs considerably using this information. Nevertheless, Maine car owners do need to know the way insurance companies compete online because it can help you find the best coverage.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every discount very well, so we researched some of the more common and the more hidden discounts you could be receiving.

Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Distant Student - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
Good Student - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
Paperwork-free - Certain companies will give a small break simply for signing online.
Low Mileage Discounts - Fewer annual miles could be rewarded with a substantially lower rate.
55 and Retired - Mature drivers may be able to get better car insurance rates.

It's important to understand that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way.

To see a list of insurance companies who offer car insurance discounts in Maine, click here.

Automobile Insurance Quotes in Fairfield, ME

There are several ways to shop for car insurance, and some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in Fairfield, or you can utilize the web to get the quickest rates.

Many insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company returns a competitive quote for coverage. This prevents consumers from doing quotation requests to each individual car insurance company.

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

One minor caviat to comparing rates this way is you are unable to specify which carriers to get quotes from. If you would rather choose specific providers to compare rates, we have a listing of low cost car insurance companies in Maine. Click to view list.

However you get your quotes, make absolute certain that you use apples-to-apples coverage information on every quote you get. If you use unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best in Fairfield. Slightly different coverage limits may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes provides better odds of finding the best offered rates.

You have some control over your rates

An important part of buying insurance is that you know the factors that help determine your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower car insurance prices.

The following are a partial list of the pieces car insurance companies consider when setting prices.

Too many car insurance claims drive up costs - If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies in Maine generally give discounts to policyholders who are claim-free. Auto insurance is meant to be used in the event of larger claims.
Multi-policy discounts can save money - Many insurance companies provide better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare rates to ensure the best deal.
Mature drivers pay less - Young drivers in Maine are known to be careless and easily distracted behind the wheel so car insurance rates are higher. Parents adding a teen driver to your car insurance policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
How credit affects car insurance rates - Having a bad credit history is a large factor in determining your rates. If your credit rating is not that good, you could pay less to insure your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions might point out whether or not you would benefit from professional advice.

Am I covered if I drive in a foreign country?
Do I need PIP (personal injury protection) coverage in Maine?
What are Maine no-fault laws?
Does my insurance cover a custom paint job?
Should I buy only the required Maine minimum liability coverage?
What are the financial responsibility laws in Maine?
Does my liability insurance cover pulling a trailer or camper?

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim of big savings after switching to their company. But how can every company make the same claim?

All companies have a certain "appetite" for the driver that is profitable for them. For instance, a driver they prefer could be a mature driver, owns a home, and chooses high deductibles. A customer that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a higher premium and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently state the savings. This emphasizes why drivers must get quotes from several different companies. Because you never know which company will give you the biggest savings.

Final considerations

When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where an insured cut liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

We just showed you a lot of techniques to compare car insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding lower rates. Consumers could even find that the best price on car insurance is with a company that doesn't do a lot of advertising. These smaller insurers can often provide lower rates in certain areas compared to the large companies like .

More tips and info about car insurance is located at the Maine Bureau of Insurance website. Consumers can download brochures, read consumer alerts, read enforcement actions against agents and companies, and find out industry alerts.

Additional helpful sites include this online resource for car insurance quotes in Maine and this list of insurance agents in Fairfield.