Easy Methods to Cut Costs on Manchester Auto Insurance

If you've never shopped for auto insurance online, you may be confused by the vast number of auto insurance companies selling insurance in Manchester.

It's important to shop coverage around periodically because prices are constantly changing. Just because you had the best deal a few years ago you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find better rates and still maintain coverage.

Maine auto insurance quotes

Manchester Auto Insurance Comparisons

Cutting your auto insurance rates is surprisingly easy. You just have to take the time getting comparison quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The recommended way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for separate quotes to each individual auto insurance company. Just one form will return quotes instantly. Just one form and you're done.
  • A more difficult way to get quotes online is to take the time to go to the website for each individual company and fill out their own quote form. For instance, let's assume you want to compare , and . To find out each rate you need to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in Manchester, click here.
  • The least recommended method to compare rates is to drive around to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the trained guidance only provided by licensed agents. However, consumers can get the lowest quotes online and still use a local agent. We'll cover that shortly.

It's up to you which method you use, but be sure to compare apples-to-apples coverages and limits for every quote you compare. If you are comparing different deductibles it's impossible to determine the best price in Manchester.

Save big with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit. If you don't get every credit you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Early Signing - Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Defensive Driver - Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of companies offering auto insurance discounts in Maine, click here to view.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's situation is a little different.

These are some specific questions may help highlight if your situation may require specific advice.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Maine minimum liability coverage?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Additional Maine consumer information

Additional information is available on the Maine Bureau of Insurance website located here. Maine consumers can view agent and company licensing information, learn about specific coverages, and file complaints about a company.

Additional helpful sites include Wikipedia and this Manchester agent directory.