Easy Tips to Pay Less on Freeport Auto Insurance

Finding better rates for Freeport auto insurance is hard for consumers new to comparison shopping online. There are so many choices that it can be more work than you anticipated to compare prices in Freeport.

It's important to compare rates before your policy renews because prices are constantly changing. Just because you found the lowest rates a few years ago you will most likely find a better rate today. So just forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

More discounts equal less premium

Car insurance can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.

Air Bag Discount - Vehicles with factory air bags can get savings of 20% or more.
No Accidents - Claim-free drivers can save substantially compared to drivers who are more careless.
Clubs and Organizations - Being a member of certain professional organizations is a good way to get lower rates on your policy.
Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.
One Accident Forgiven - A few companies permit an accident before your rates go up if you are claim-free prior to the accident.
Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut your premiums.

Switch companies and save? Really?

Companies like State Farm and Allstate consistently run ads in print and on television. All the ads make an identical promise about savings if you change to their company. How do they all claim to save you money?

All companies can use profiling for the driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, is a homeowner, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will be charged higher prices and ends up with the customer not buying. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's why companies can truthfully make the claims of big savings.

That is why you should get quotes from several different companies. It's impossible to know the company that will fit your personal profile best.

Learn more today

Additional information can be found on the Maine Bureau of Insurance website through this link. Visitors are able to find out industry alerts, read industry bulletins, and find out which companies have the most complaints.

Do the work, save more money

We covered many tips how you can reduce auto insurance prices online. It's most important to understand that the more you quote, the higher the chance of saving money. Consumers could even find that the lowest rates come from a company that doesn't do a lot of advertising.

People leave their current company for many reasons like poor customer service, high rates after DUI convictions, questionable increases in premium and even lack of trust in their agent. It doesn't matter why you want to switch finding the right auto insurance provider is less work than it seems.

Cheaper auto insurance can be sourced both online and also from your neighborhood Freeport agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.