Getting Cheaper Rangeley Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse.

Lots of contend for your hard-earned dollar, so it can be very hard to choose a and uncover the absolute lowest rate

It's important to compare prices every six months since insurance rates are constantly changing. Even if you got the best deal a couple years back a different company probably has better rates today. So just block out anything you think you know about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

If you have car insurance now, you will most likely be able to save some money using this information. Finding affordable coverage in Rangeley is quite easy. Nevertheless, Maine vehicle owners do need to know how the larger insurance companies price online insurance and take advantage of how the system works.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but you can get discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time of purchase, but some must be asked about prior to receiving the credit.

Life Insurance - Larger companies have lower rates if you buy a life insurance policy as well.
Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
No Accidents - Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
Sign Online - Certain companies give back up to $50 simply for signing on their website.
Clubs and Organizations - Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.

It's important to understand that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will cut the amount you have to pay.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Understanding what determines base rates enables informed choices that may reward you with lower auto insurance prices.

Proper usage rating affects rates - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance policy is showing how each vehicle is driven, because it can save money.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, damage caused by hail, or theft. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
One company can mean more discounts - Most insurers will give a discount to people who have multiple policies with them. It's known as a multi-policy discount. Discounts can be five, ten or even twenty percent. If you currently are using one company, you still need to compare other company rates to ensure the best deal. You may still be able to find a better deal by buying auto insurance from a different company.
Safe vehicles cost less to insure - Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, business owners and accountants tend to have higher rates than average because of job stress and lengthy work days. On the flip side, occupations like actors, athletes and homemakers receive lower rates.
Pay less after the wedding - Being married can actually save you money on your policy. It means you're more mature and responsible and it's proven that being married results in fewer claims.

Save $429 a year? Really?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to make an identical promise of big savings if you switch to their company. How do they all say the same thing?

All companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay higher prices and ends up with business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently advertise the way they do.

Because of the profiling, drivers should get as many quotes as possible. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Additional auto insurance information is available on the website for the Maine Bureau of Insurance located here. Maine drivers can file complaints about an insurance agent or broker, report car insurance fraud, read consumer alerts, and find disaster information.

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

Low-cost auto insurance can be found on the web and also from your neighborhood Rangeley agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.