Tightwads Tips for Saving on Parsonsfield Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

There is such a variety of to pick from, and although it's a good thing to have a choice, so many choices can make it hard to compare rates.

The purpose of this article is to teach you how to effectively get price quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Although Maine vehicle owners do need to know the way companies market on the web and apply this information to your search.

Save big with these discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but less common discounts must be specially asked for before they will apply.

  • Government Employees - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Low Mileage Discounts - Keeping the miles down can earn lower rates on the low mileage vehicles.
  • Defensive Driving Course - Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Accident Waiver - Certain companies permit an accident without raising rates if your claims history is clear for a certain period of time.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

For a list of insurance companies with the best auto insurance discounts in Maine, follow this link.

Where Can I Get Cheap Parsonsfield Auto Insurance?

There are several ways to compare rate quotes from local Parsonsfield auto insurance companies. The recommended way to find the cheapest insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

One of the best ways consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing multiple quote forms for each company. A single, simple form gets you coverage quotes from multiple low-cost companies.

A harder way to get quotes online consists of going to the website of each company and complete a new quote form. For example, let's assume you want comparison quotes from , and . You would have to visit each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in Parsonsfield, click here.

Whichever way you use, make sure you use identical coverages on every quote. If you have different limits and deductibles on each one it will be next to impossible to make a fair comparison in Parsonsfield. Just a small difference in coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons helps you find lower pricing.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions can help discover if your situation might need an agent's assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?

If you don't know the answers to these questions, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Do the work, save more money

When buying insurance coverage, make sure you don't sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

The cheapest auto insurance is definitely available on the web in addition to many Parsonsfield insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide online quoting and these regional insurance providers work with independent agents.