How to Know You're Throwing Money Away for Auto Insurance in Kittery

Are you sick and tired of not being able to afford each month for car insurance? You are no different than many other Maine consumers.

Numerous battle for your hard-earned dollar, so it's not easy to compare every to get the lowest rate

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Kittery is not that difficult. Although Maine drivers do need to know how companies market on the web.

Don't pay full price with these discounts

Companies offering auto insurance don't list every discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Claim Free - Claim-free drivers pay less when compared to frequent claim filers.
  • Low Mileage Discounts - Keeping the miles down could qualify for better rates on cars that stay parked.
  • Homeowners Pay Less - Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Paperwork-free - A few companies will discount your bill up to fifty bucks for buying your policy on their website.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies with the best auto insurance discounts in Kittery, click this link.

How to Compare Kittery Auto Insurance Rates

There are multiple methods you can shop for auto insurance but one way is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in Kittery, or you can stay home and use online quotes to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that enables customers to complete one form, and each participating company returns a competitive quote for coverage. This system prevents you from having to do quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is you cannot specify the companies to get quotes from. So if you prefer to pick from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in Maine. View list of Maine insurance companies.

It's up to you how you get prices quotes, just ensure you're using the exact same coverages on every quote you get. If you use different limits and deductibles on each one it will be very difficult to determine which rate is truly the best in Kittery. Having just a slight variation in coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices will increase your chances of finding lower pricing.

Final considerations

The cheapest auto insurance is definitely available online as well as from independent agents in Kittery, so you should compare both to have the best selection. Some auto insurance companies don't offer online quoting and these small insurance companies work with independent agents.

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.