Car Insurance in Rockport Maine - 5 Discounts You Might be Forgetting

People who are new to buying insurance online could find buying low-cost Rockport car insurance very challenging.

car insurance in Rockport

Rockport Car Insurance Quote Comparison

Cutting your car insurance rates is surprisingly easy. Consumers just need to take time to compare quotes online with multiple companies. This can be accomplished in several different ways.

  • The recommended way to find low rates is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form entry to each individual car insurance company. A single form compares rates direct from many companies. This is by far the quickest method.
  • A different way to shop for car insurance online is going to the website for every company you want to comare and fill out their own quote form. For example, let's say you want to compare , and . To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Rockport, click here.
  • The least efficient method to compare rates to different agent offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the professional advice only provided by licensed agents. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage limits and deductibles for each comparison quote. If you compare different liability limits it will be next to impossible to determine the lowest rate in Rockport.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, buy you may qualify for discounts that many people don't even know exist. Most are applied when you purchase, but lesser-known reductions have to be manually applied before being credited. If you don't get every credit you qualify for, you're paying more than you need to.

  • Defensive Driver - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Some companies give a break if you buy auto and life insurance together.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.

Keep in mind that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

To see a list of insurers offering car insurance discounts in Maine, follow this link.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is no "perfect" insurance plan. Each situation is unique.

For example, these questions might point out whether your personal situation could use an agent's help.

  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • What happens if I owe more than my vehicle is worth?
  • Do I need to file an SR-22 for a DUI in Maine?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage for damage caused while driving under the influence?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

For more Maine car insurance information

More information can be found on the Maine Bureau of Insurance website through this link. Consumers can discover disciplinary actions, find out industry alerts, and read consumer alerts.

Additional helpful sites include this resource for Maine car insurance prices and this link which helps you find a Rockport agent.