Finding Low-Cost Fort Kent Car Insurance

No one enjoys paying for car insurance, particularly when their premiums are through the roof.

Because you have many insurance companies to choose from, it's nearly impossible to pick the lowest cost car insurance company.

It's important to check car insurance prices occasionally due to the fact that insurance rates are constantly changing. If you had the lowest rates on your last policy the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Finding affordable car insurance coverage in Fort Kent is not that difficult. In a nutshell, everyone who has to buy car insurance should be able to save money. Nevertheless, Maine consumers do need to know how insurance companies market on the web and use this information to your advantage.

How much can you save with discounts?

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Some discounts apply automatically when you quote, but lesser-known reductions have to be inquired about before you get the savings.

Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
Multi-policy Discount - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
Federal Employees - Being employed by or retired from a federal job can save as much as 8% with certain companies.
Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
Low Mileage - Keeping the miles down can earn lower rates on the low mileage vehicles.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

Consumers should know that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of providers with the best car insurance discounts in Maine, follow this link.

Finding Car Insurance in Fort Kent, ME

Shopping for lower car insurance rates can take hours if you aren't aware of the fastest way to get free quotes. You can waste a lot of time talking to local insurance agents in Fort Kent, or you could save time and use online quoting for quick rates.

Many insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company can give them a price for coverage. This eliminates the need for form submissions for each company you want a rate for.

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

The only drawback to comparing rates this way is you don't know exactly which carriers you want to price. If you would rather choose specific providers to receive pricing from, we have a listing of car insurance companies in Maine. View list of Maine insurance companies.

It doesn't matter which method you choose, just make absolute certain that you use apples-to-apples coverages on every quote you get. If you use different limits and deductibles on each one it will be impossible to determine which rate is truly the best in Fort Kent. Just a small difference in coverage limits can make a big difference in price. And when quoting car insurance, remember that quoting more gives you a better chance of getting lower pricing.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get lower car insurance prices.

Better credit means lower rates - Your credit rating is a important factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit score can use some improvement, you could pay less to insure your by improving your rating.
More than one policy can earn a discount - The majority of companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare rates to make sure you are getting the best deal.
Too many car insurance claims drive up costs - If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance companies in Maine provide discounts to policyholders who file claims infrequently. Auto insurance is intended for larger claims.
Bad driving skills means higher rates - Good drivers have lower premiums than people who have multiple driving citations. Just one citation can increase rates twenty percent or more. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

How much car insurance do I need?

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs may require specific advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Maine?
Should I file a claim if it's only slightly more than my deductible?
Can I rate high risk drivers on liability-only vehicles?
Is my nanny covered when driving my vehicle?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads say the same thing of big savings if you move to them. But how can every company claim to save you money?

All companies have a certain "appetite" for the type of driver that is profitable for them. For example, a preferred risk might be over the age of 50, owns a home, and has great credit. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will be charged a higher premium which usually ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently advertise the savings.

That is why drivers must quote coverage with many companies. You cannot predict which company will fit your personal profile best.

Do the work, save more money

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. Too many times, an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We just presented a lot of tips how to compare car insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from a small local company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

Additional car insurance information can be found on the website for the Maine Bureau of Insurance located here. Visitors are able to find out industry alerts, read consumer alerts, download brochures, and file complaints about a company.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Fort Kent insurance agents.