Naples Auto Insurance For Less Than You're Paying Now

Searching for affordable Naples auto insurance on the web can be rather challenging for people who are new to comparison shopping online. When there are so many companies in the marketplace, how can you possibly compare them all to find the lowest rates?

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Knowing what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Special features that cut premiums - Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Both sexes tend to get into accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
Rates may be higher depending on your occupation - Careers like doctors, executives and financial analysts are shown to have higher average rates because of high stress and long work days. Conversely, professions such as pilots, engineers and the unemployed pay the least.
Increase deductibles and save - Physical damage deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, vandalism, and rolling your vehicle. The more money the insured has to pay upfront, the bigger discount you will receive.
Never go without insurance - Not having insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, getting caught without coverage may earn you a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with the Maine department of motor vehicles.

Take advantage of discounts

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked about prior to getting the savings. If you're not getting every credit you deserve, you are paying more than you should be.

Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Senior Discount - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
No Claims - Drivers who don't have accidents can earn big discounts when compared to accident-prone drivers.
Own a Home - Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

It's important to note that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will bring down your overall premium however.

To choose insurance companies with the best auto insurance discounts in Maine, click this link.

Are auto insurance companies telling the truth?

Maine drivers can't ignore all the ads for car insurance savings from companies such as State Farm, Allstate and GEICO. They all make the same claim that you can save if you move your policy.

How does each company say the same thing?

Insurance companies have a preferred profile for the right customer that makes them money. An example of a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be quoted a higher premium which leads to business not being written. The ad wording is "customers that switch" not "people who quote" save that kind of money. This is how insurance companies can advertise the way they do.

This emphasizes why you should get as many comparisons as possible. It's not possible to predict which insurance companies will provide you with the cheapest rates.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different.

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

What can I do if my company won't pay a claim?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
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?

If it's difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

More sites with auto insurance information

More information is available on the Maine Bureau of Insurance website located here. Maine drivers can view a list of available companies, learn about insurance regulations, and read industry bulletins.

Best coverage at the best price

Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, denial of a claim, high rates after DUI convictions or even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is easier than you think.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Lower-priced auto insurance is definitely available on the web in addition to many Naples insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not provide online price quotes and these smaller companies work with independent agents.