How to Get Cheaper Orono Auto Insurance

Finding low-cost Orono auto insurance on the internet is difficult for consumers new to buying insurance on the web. With so many online companies, how can consumers even start to compare the different rates to find the lowest price available?

It's important to take a look at other company's rates on a regular basis because prices are constantly changing. Even if you got the lowest rates two years ago there may be better deals available now. So just ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

Be sure to get all your discounts

Car insurance companies don't list all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find auto insurance savings.

  • Sign Online - A few companies may give you up to $50 for buying your policy on their website.
  • Accident Waiver - A few companies will allow you to have one accident without raising rates as long as you don't have any claims for a set time period.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
  • Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Senior Citizens - Older drivers may be able to get better auto insurance rates.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky.

For a list of companies who offer auto insurance discounts in Orono, follow this link.

Which Auto Insurance is Cheapest in Orono, Maine?

There are several ways to compare auto insurance quotes, but some are easier and takes less work. You can waste hours talking to insurance agencies in Orono, or you can stay home and use the web to get pricing more quickly.

Most car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each company then gives them pricing determined by their information. This eliminates the need for form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you are unable to specify the companies you want pricing from. So if you want to choose from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in Maine. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing the exact same information on every quote you get. If your comparisons have higher or lower deductibles you will not be able to determine which rate is truly the best in Orono. Just a small difference in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding the best price.

Shop smart and save

Cheaper auto insurance can be purchased both online and also from your neighborhood Orono agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many cases, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest price.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, delays in paying claims, denial of a claim and policy cancellation. Regardless of your reason, switching auto insurance companies is not as hard as you think.