Lincoln Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, it's easy to get confused by the vast number of car insurance companies all offering big savings in Lincoln.

It's important to price shop coverage occasionally since rates are constantly changing. Just because you had the best deal two years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the only way to lower your annual insurance bill.

These discounts can lower your rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for before being credited.

  • Accident Forgiveness - Certain companies will allow you to have one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Good Student - Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, it just doesn't work that way. But any discount will bring down the cost of coverage.

Different people need different coverages

When it comes to buying proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Every insured's situation is different.

For instance, these questions might point out whether you will benefit from professional help.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Maine?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Are my tools covered if they get stolen from my vehicle?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, complete this form.

Are you falling for claims of savings?

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to make an identical promise that you can save if you switch your policy. How does each company claim to save you money? This is how they do it.

Different companies have a certain "appetite" for the right customer that earns them a profit. An example of a desirable insured might be between the ages of 40 and 55, owns a home, and chooses high deductibles. Any new insured who meets those qualifications will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher prices and ends up with the customer not buying. The ads say "drivers who switch" not "everybody who quotes" save that kind of money. That is how insurance companies can state the savings.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which company will give you the biggest savings.

More information is available on the Maine Bureau of Insurance website. Click here for link. Visitors are able to learn about insurance regulations, find out industry alerts, and file complaints about a company.

Lincoln car insurance quote

Affordable insurance is out there

Affordable car insurance is available both online in addition to many Lincoln insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage for the lowest price.

We just covered some good ideas how you can reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a lesser-known regional company.