9 Tricks to Save on Car Insurance in Jefferson Maine

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are a lot of people in Jefferson just like you who feel imprisoned by their car insurance policy.

There is such a variety of to buy insurance from, and although it's nice to have a choice, so many choices can make it hard to compare rates.

Finding the best rates in Jefferson is quite easy. Just about every driver who has to buy car insurance will most likely be able to save money. Nevertheless, Maine consumers do need to know how big insurance companies compete online because it can help you find the best coverage.

Quick Jefferson Car Insurance Quotes

Most major insurance companies like State Farm, Allstate and GEICO quote insurance quotes on the web. Getting quotes doesn't take much effort as you simply type in the coverage amounts you desire as detailed in the form. Behind the scenes, the system will obtain information on your driving record and credit history and quotes a price based on these and other factors. Quoting online makes it a lot easier to compare rates but having to visit several different sites and enter the same data into a form gets old quite quickly. But it's very important to have as many quotes as possible if you are searching for the best price on car insurance.

There is an easier way!

A less time-consuming method to find better car insurance pricing is to use a quote form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison a lot less work. After sending your information, it is quoted and you can select any one of the returned quotes. If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you copy your coverages identical to your current policy. This way, you're receiving rate comparison quotes based on similar coverages.

Are you getting all your discounts?

Companies do not advertise every discount very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving.

Drivers Education - Require your teen driver to successfully complete driver's ed class if it's offered in school.
Driver Safety - Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
Distant Student - Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
No Charge for an Accident - Certain companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
Save with a New Car - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
No Claims - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
Homeowners Discount - Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

Consumers should know that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

For a list of insurance companies who offer car insurance discounts in Maine, click here.

More tips and info about car insurance is located at the Maine Bureau of Insurance website. Visitors are able to view a list of available companies, discover disciplinary actions, read enforcement actions against agents and companies, and get help finding coverage.

Final considerations

Cost effective car insurance can be bought both online in addition to many Jefferson insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.

When you buy insurance online, never reduce needed coverages to save money. There have been many situations where an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.