Car Insurance in Sanford - 6 Discounts You Might be Missing

Buying the cheapest Sanford car insurance on the web may be difficult for consumers not familiar with price shopping online. With so many online companies, how can you have a chance to compare every company to locate the lowest price available?

It's important to compare prices yearly since rates are constantly changing. Even if you got the best rates a few years ago there may be better deals available now. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to stop overpaying for insurance.

Locating the lowest cost coverage in Sanford can be fairly easy. Just about anyone who is required by state law to have car insurance should be able to lower their premiums. But Maine car owners do need to know how the larger insurance companies price online insurance.

These six discounts can lower your rates

Insuring your vehicles can cost a lot, but you can get discounts that many people don't even know exist. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be manually applied before you get the savings.

  • Accident Waiver - Some insurance companies permit an accident without raising rates as long as you don't have any claims for a certain period of time.
  • Bundle and Save - When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • College Student - Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.

For a list of companies offering car insurance discounts in Maine, click this link.

Where Can I Get Cheap Sanford Car Insurance?

Most major insurance companies give coverage prices directly from their websites. Getting quotes is quite simple as you just type in your required coverages as detailed in the form. Once entered, their rating system will obtain credit information and your driving record and generates pricing information based on many factors.

This helps simplify price comparisons, but the time it takes to visit many different websites and type in the same information can get tiresome after awhile. But it's very important to compare as many rates as possible in order to get better car insurance pricing.

The easy way to compare rates

A more efficient way to compare car insurance pricing is to use a quote form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you can choose any or none of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend that you enter the limits and deductibles just like they are on your policy. This helps ensure you will get rate quotes based on identical coverages.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's needs are different.

For instance, these questions can help discover whether you will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are Maine no-fault laws?
  • Do I qualify for additional discounts?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

The best insurance company isn't always the cheapest

Budget-conscious car insurance can be found from both online companies and also from your neighborhood Sanford agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at an affordable rate.

Insureds switch companies for many reasons like an unsatisfactory settlement offer, policy non-renewal, policy cancellation and lack of trust in their agent. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.