Top 6 Ways to Save Money on Car Insurance in Farmingdale

Shopping for the most affordable Farmingdale car insurance over the internet is impossible for consumers not familiar with online price comaprisons. With so many choices of insurers available, how can you possibly compare every company to locate the best available price?

Save big with these six discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few need to be asked about before you get the savings.

Multiple Cars - Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
Paperless Signup - A handful of insurance companies may give you up to $50 for buying your policy online.
Safety Course Discount - Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.
Memberships - Being a member of a professional or civic organization is a good way to get lower rates when buying car insurance.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

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

Which Car Insurance is Cheapest in Farmingdale, Maine?

There are several ways to get quotes from local Farmingdale car insurance companies. The best method to find the lowest rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do a different quote to each individual car insurance company. One form submission will get you price quotes . This is by far the quickest method.
A more time consuming way to get quotes online requires a visit to each individual company website to complete their respective quote request forms. For instance, let's say you want comparison quotes from , and . To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in Farmingdale, click here.
The least recommended way of getting rate comparisons is to spend your day driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the trained guidance only provided by licensed Farmingdale agents. However, consumers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It's up to you which method you use, but ensure you are comparing apples-to-apples coverage limits on every quote you get. If you use differing limits it will be next to impossible to determine which rate is truly the best in Farmingdale. Quoting even small variations in coverages can result in a big premium difference. Just remember that comparing a large number of companies provides better odds of finding better pricing.

Car insurance ads bend the truth

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies make an identical promise about savings if you change your coverage to them. But how can every company claim to save you money?

All the different companies have a preferred profile for the type of customer that is profitable for them. For example, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Drivers who fall outside this ideal profile must pay a higher premium and ends up with the customer not buying. Company advertisements say "people who switch" not "people who quote" save that much money. This is how companies can truthfully advertise the way they do.

This illustrates why drivers must get as many comparisons as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Do the work, save more money

Cheap car insurance is attainable both online as well as from independent agents in Farmingdale, so you should be comparing quotes from both to have the best selection. Some car insurance companies don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

People leave their current company for many reasons like lack of trust in their agent, an unsatisfactory settlement offer, questionable increases in premium or policy cancellation. Whatever your reason, finding the right car insurance provider is actually quite simple.

For more Maine car insurance information

Additional information can be found on the Maine Bureau of Insurance website through this link. Visitors are able to find out which companies have the most complaints, get help finding coverage, and discover disciplinary actions.

Additional helpful sites include this link for Maine car insurance quotes and this page for help finding agents in Farmingdale, ME.