Hiram Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the sheer number of auto insurance options in Hiram? You have a lot of company. Drivers have so many choices that it can turn into a ton of work to find lower rates.

It's important to take a look at other company's rates at least once a year because prices are constantly changing. Just because you found the lowest rates last year you will most likely find a better rate today. So block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

Finding affordable coverage in Hiram is not that difficult. If you have a current auto insurance policy or need new coverage, you can learn to find better prices and possibly find even better coverage. Maine consumers only need to know the tricks to compare prices over the internet.

How much can you save with discounts?

Companies that sell car insurance don't always advertise every available discount very well, so we break down both well-publicized and the more hidden savings tricks you should be using. If you don't get every credit possible, you are throwing money away.

  • Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Low Mileage - Fewer annual miles can earn discounted rates on garaged vehicles.
  • No Charge for an Accident - Some insurance companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Resident Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky.

Maine auto insurance

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

Maine consumers get pounded daily by advertisements that promise big savings by State Farm and Allstate. All the ads make an identical promise about savings after switching to their company.

But how can every company make almost identical claims?

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk could possibly be over the age of 50, has no tickets, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be charged higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully claim big savings. That is why you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Even more information can be found at the Maine Bureau of Insurance website. Maine consumers can file complaints about a company, discover disciplinary actions, and learn about insurance regulations.

Also read more on NAIC.org's Understanding your Policy and this directory of Hiram insurance agents.

auto insurance in Hiram

Best coverage at the best price

You just read some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. Consumers could even find that the biggest savings come from an unexpected company.

The cheapest auto insurance can be sourced online and also from your neighborhood Hiram agents, and you should be comparing both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.