Find Cheap Fryeburg Auto Insurance

Comparison shopping for Fryeburg auto insurance is hard for consumers not familiar with comparison shopping online. You have so many choices that it can be a lot of work to find lower rates in Fryeburg.

It's important to do rate comparisons once or twice a year because prices are constantly changing. Just because you found the lowest rates a couple years back there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

This article will instruct you on how to get online quotes. If you have car insurance now, you will be able to lower your premiums substantially using this information. But Maine consumers do need to know the way companies sell online and use this information to your advantage.

Why some people pay less for insurance in Fryeburg

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower auto insurance prices.

Shown below are a few of the "ingredients" companies use to determine your rates.

One company can mean more discounts - Some insurance companies give discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
Special features that cut premiums - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you're willing to pay, the less your company will charge you for insurance.
Lower miles equals lower premium - The higher the mileage driven every year the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle.
Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. Women and men have accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
An active claims history can cost you - If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Maine generally give lower rates to people who file claims infrequently. Auto insurance is intended for major claims that would cause financial hardship.
Liability coverage is peace of mind - Your policy's liability coverage will protect you in the event that you are found liable for damages from an accident. It provides for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.

How to Compare Auto Insurance Costs in Fryeburg

The are a couple different ways of comparing rates and find the best price. One of the best ways to compare insurance prices is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

The fastest way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for a different quote for every auto insurance company. Taking the time to complete one form gets you price quotes . It's definitely the quickest method.
A slightly less efficient method to shop for auto insurance online requires a trip to the website for each individual company to complete their respective quote request forms. For instance, we'll assume you want rates from , and . To get rate quotes you would need to go to every website to input your insurance information, and that's why the first method is more popular. For a list of links to companies insuring cars in Fryeburg, click here.
The most time-consuming way of getting rate comparisons is to waste gas driving to insurance agents' offices. The internet eliminates the need for an insurance agent unless you have a need for the personal advice of a local Fryeburg agent. It is possible to find lower rates online but buy from a local insurance agent. We'll cover that shortly.

However you get your quotes, double check that you are using identical quote information on every quote you get. If you use mixed coverages it will be very difficult to determine which rate is truly the best in Fryeburg. Slightly different insurance coverages can mean a large discrepancy in price. It's important to know that more quotes helps you find a better price.

Policy discounts you shouldn't miss

Car insurance is not cheap, but you may find discounts that you may not know about. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked about prior to getting the savings.

Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Multiple Cars - Buying insurance for all your vehicles with the same company qualifies for this discount.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
One Accident Forgiven - Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Multi-policy Discount - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
Organization Discounts - Being a member of a qualifying organization may earn a discount on your policy.
Military Rewards - Being deployed with a military unit could be rewarded with lower premiums.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think it's possible to get free car insurance, companies don't profit that way. But all discounts will bring down the amount you have to pay.

To choose providers with discount auto insurance rates in Maine, click here.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads have a common claim that you'll save big if you change to them. How does each company claim to save you money? This is how they do it.

All companies can use profiling for the type of driver that makes them money. For example, a preferred risk might be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be charged a higher premium and this can result in the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. That's why companies can advertise the way they do.

That is why you need to compare many company's rates. It's impossible to know the company that will provide you with the cheapest rates.

Much more information about auto insurance in Maine can be found on the Maine Bureau of Insurance website. Click here for link. Visitors are able to read consumer alerts, view a list of available companies, and report car insurance fraud.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Fryeburg agent directory.

Shop smart and save

As you go through the steps to switch your coverage, make sure you don't reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Drivers leave their current company for any number of reasons including policy non-renewal, extreme rates for teen drivers, lack of trust in their agent or even delays in paying claims. No matter why you want to switch, switching auto insurance companies is easier than you think.

Discount auto insurance can be sourced both online and with local Fryeburg insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.