10 Tricks Shown to Save on Car Insurance Costs in Readfield

No one likes having to buy car insurance, especially when their premiums are too high. You have multiple to pick from, and although it's a good thing to have a selection, having more makes it harder to compare rates.

Car Insurance Comparison Rates in Readfield, ME

Shopping for lower car insurance rates can take time and effort if you aren't aware of the easiest way. You can spend countless hours discussing policy coverages with insurance agencies in Readfield, or you could save time and use online quotes to get prices fast.

The majority of car insurance companies take part in a program that allows shoppers to submit their information once, and each company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose the providers to get quotes from. So if you prefer to choose specific insurance companies to request quotes from, we have assembled a list of car insurance companies in Maine. View list of Maine insurance companies.

It's up to you how you get prices quotes, just be sure to compare identical coverages for every quote you compare. If your comparisons have different limits and deductibles on each one it will be impossible to determine the best price in Readfield.

How much can you save with these ten discounts?

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked about prior to receiving the credit. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Auto/Life Discount - Some companies give a discount if you purchase auto and life insurance together.
  • Low Mileage Discounts - Keeping the miles down could be rewarded with better rates on cars that stay parked.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
  • Distant Student - Any of your kids who are attending college without a vehicle on campus can receive lower rates.
  • 55 and Retired - Mature drivers can possibly qualify for reduced rates.
  • Memberships - Belonging to a qualifying organization could trigger savings when shopping for car insurance.

Keep in mind that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way. But any discount will bring down the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts in Maine, click this link.

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different so this has to be addressed. For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Additional Maine consumer information

More information is located on the website for the Maine Bureau of Insurance located here. Consumers can download brochures, find out industry alerts, view agent and company licensing information, and file complaints about an insurance agent or broker.

Additional helpful sites include this site for car insurance rates in Maine and this list of insurance agents in Readfield.