6 Methods to Save on Car Insurance in Milbridge

Purchasing low-cost Milbridge car insurance online may be somewhat difficult for consumers new to online price comaprisons. With so many choices of online companies available, how can you possibly compare the different rates to find the lowest price?

It's important to get comparison quotes quite often since rates are constantly changing. Despite the fact that you may have had the lowest rates six months ago there is a good chance you can find better rates now. So just ignore everything you know about car insurance because we're going to show you the tricks you need to know to save on car insurance.

Buying car insurance in Milbridge is easy if you know what you're doing. Basically, anyone who is required by state law to have car insurance should be able to lower their premiums. But Maine consumers do need to know how the larger insurance companies compete online and use this information to your advantage.

Milbridge car insurance quote

Low Cost Milbridge Car Insurance

There are several ways to get quotes from local Milbridge car insurance companies. One of the best ways to compare insurance prices is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  1. The fastest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. One form will get you rate comparisons from all major companies. It's definitely the quickest method.
  2. A more time consuming way to compare rate quotes requires you to visit the website for each individual company to request a price quote. For example, we'll pretend you want comparison quotes from , and . To get each rate you have to visit each site and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Milbridge, click here.
  3. The most time-consuming way to get comparison rates is to spend your day driving to insurance agents' offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the personal advice that only a license agent can provide. It is possible to find lower rates online and still use a local agent and we'll cover that in a bit.

Whichever method you choose, make darn sure you compare identical coverage information for each price quote. If you compare unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate in Milbridge. Slightly different insurance coverages could mean much higher rates. And when comparison shopping, having more price comparisons helps you find the best offered rates.

Take advantage of discounts

Companies offering auto insurance don't list every available discount very clearly, so we break down both the well known and the harder-to-find discounts you could be receiving.

  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Resident Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off with certain companies.
  • Senior Citizens - If you're over the age of 55, you may be able to get a discount up to 10%.

Consumers should know that some credits don't apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

To choose providers who offer car insurance discounts in Maine, click here.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim that you'll save big after switching your policy. How does each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the right customer that makes them money. For example, a preferred risk might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will be charged higher premiums and this can result in the customer not buying. The ads say "drivers who switch" not "people who quote" save that kind of money. This is how companies can state the savings. That is why you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

How to know if you need help

When buying adequate coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique.

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in Maine?
  • Why does it cost so much to insure a teen driver in Milbridge?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form.

More detailed Maine car insurance information can be found at the Maine Bureau of Insurance website. Visitors are able to read consumer alerts, read enforcement actions against agents and companies, and view agent and company licensing information.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Milbridge insurance agents.

Milbridge car insurance comparison

Shop smart and save

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Drivers change insurance companies for any number of reasons including policy cancellation, not issuing a premium refund, delays in paying claims or even being labeled a high risk driver. No matter why you want to switch, switching car insurance companies is easier than you think.

Discount car insurance can be bought both online in addition to many Milbridge insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.