Falmouth Auto Insurance For Less Than You're Paying Now

Shopping for the cheapest Falmouth auto insurance over the internet is impossible for consumers not familiar with online price comaprisons. With so many choices of insurers to choose from, how can you have a chance to compare every company to locate the best available rates?

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

Accident Free - Drivers who don't have accidents pay less when compared to bad drivers.
Paperwork-free - Some insurance companies give back up to $50 for buying your policy online.
Safety Course Discount - Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
Multiple Policy Discount - When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To see a list of insurance companies with discount auto insurance rates in Maine, click here to view.

Which Auto Insurance is Cheapest in Falmouth, Maine?

Most companies provide pricing directly from their websites. Getting online quotes is pretty easy as you simply type in the coverages you want as detailed in the form. Once you submit the form, their system will obtain information on your driving record and credit history and returns a price determined by many factors.

This makes comparing rates easy, but having to visit each company's website and repetitively type in the same information is repetitive and time-consuming. But it's very important to do this if you want to find better auto insurance pricing.

The preferred way to find lower prices requires only one form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online a little more enjoyable. As soon as you send your information, it gets priced with multiple companies and you can pick any or none of the price quotes you receive.

If the quotes result in lower rates, it's easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend that you enter as close as possible to your current policy. This makes sure you will receive comparison quotes based on the exact same insurance coverage.

Why some people pay less for insurance in Falmouth

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

Shown below are some of the items companies use to determine prices.

Your stress level may be raising your rates - Careers like real estate brokers, business owners and stock brokers tend to pay the highest rates attributed to high stress levels and long work hours. On the other hand, occupations such as pilots, students and retirees have the lowest average rates.
Pay less after the wedding - Getting married helps lower the price on your policy. Having a significant other is viewed as being more responsible and it's statistically proven that married drivers get in fewer accidents.
Don't get talked into coverage you don't need - There are quite a few add-on coverages that can waste your money if you aren't careful. Things like rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don't need them remove them from your policy.
Consolidate policies to earn discounts - Some insurers provide better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to make sure you are getting the best deal.
Small claims can cost you - Companies in Maine award discounts to insureds who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
More miles equals more premium - The higher the mileage driven in a year's time the higher your rate. Most companies price each vehicle's coverage based upon how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle.

Are you falling for claims of savings?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all make an identical promise about savings if you change to them. But how can every company say the same thing?

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get very good rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be quoted more money and ends up with business not being written. The ads say "people who switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the way they do.

This emphasizes why drivers must get quotes from several different companies. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Do the work, save more money

People leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, questionable increases in premium or policy non-renewal. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

Cheaper auto insurance is attainable on the web and with local Falmouth insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

When shopping online for auto insurance, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

Additional information can be read on the Maine Bureau of Insurance website through this link. Maine drivers can read industry bulletins, get help finding coverage, and discover disciplinary actions.

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