Free Guide to Paying Less for Mechanic Falls Auto Insurance Online

I can't think of anyone who likes having to buy auto insurance, in particular when their premiums are too high. You have so many to pick from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

Be sure to get all your discounts

Auto insurance companies don't list all available discounts very clearly, so we researched both well-publicized and the harder-to-find auto insurance savings. If you're not getting every credit you qualify for, you're paying more than you need to.

Homeowners Savings - Owning a home in Mechanic Falls may trigger a auto insurance policy discount because owning a home shows financial diligence.
Early Signing - Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
Military Discounts - Having a deployed family member could mean lower rates.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

To see a list of insurers offering auto insurance discounts in Maine, follow this link.

Vehicle Insurance Comparison

Comparing auto insurance rates can take hours if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Mechanic Falls, or you can stay home and use online quotes to get prices fast.

Many insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company returns a rated price for coverage. This eliminates the need for quotation requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify which carriers you want pricing from. So if you prefer to choose specific providers to compare, we put together a list of the cheapest auto insurance companies in Maine. Click here for list of insurance companies in Maine.

Which method you use is up to you, but be sure to compare identical coverage limits and deductibles with every price quote. If you use different liability limits it will be very difficult to find the best deal in Mechanic Falls.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

What are your deductibles? - Your deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. The more the insured has to pay upfront, the lower your rates will be.
Traffic violations increase rates - Only having one citation may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Better credit scores mean better rates - A driver's credit score is a huge factor in determining your rates. If your credit history is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit.
Lower miles equals lower premium - The more miles you rack up on your car each year the more you'll pay to insure your vehicle. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.

How do I know if I need professional advice?

When choosing the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions may help highlight whether or not you would benefit from professional advice.

When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Is there truth in advertising?

Maine consumers can't get away from ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the companies say the same thing about savings if you switch your policy.

How does each company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the right customer that is profitable for them. For instance, a profitable customer could possibly be a mature driver, a clean driving record, and drives less than 10,000 miles a year. A driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do. This illustrates why drivers must quote coverage with many companies. It is impossible to predict which company will provide you with the cheapest rates.

In the end, you save

Cheaper auto insurance can be found online in addition to many Mechanic Falls insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented a lot of information how to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

As you go through the steps to switch your coverage, make sure you don't reduce coverage to reduce premium. In too many instances, someone dropped liability coverage limits only to discover later that the savings was not a smart move. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Even more information is located at the Maine Bureau of Insurance website. Maine consumers can report car insurance fraud, file complaints about a company, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include this page for Maine auto insurance and this page for help finding agents in Mechanic Falls, ME.