Car Insurance in Scarborough Maine - 6 Discounts You Might be Losing Out On

Are you intimidated by the dozens of car insurance choices in Scarborough? Many other consumers are too. People have so many options available that it can turn into more work than you anticipated to find the best price.

The purpose of this article is to help educate you on the best way to quote coverages. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Nevertheless, Maine consumers do need to know the way companies price online insurance because it can help you find the best coverage.

Save big with these six discounts

Properly insuring your vehicles can get expensive, but you may find discounts that many people don't even know exist. Certain discounts will be applied when you quote, but less common discounts must be manually applied before you get the savings.

  • Accident Free - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Multi-car Discount - Insuring more than one vehicle on one policy could earn a price break for each car.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • No Charge for an Accident - Certain companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Multiple Policy Discount - If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Senior Citizens - If you qualify as a senior citizen, you may qualify for reduced rates.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all say the same thing of big savings if you switch to them. How does each company claim to save you money?

Different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Drivers who fall outside these standards will be quoted a higher premium which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save money. That's the way insurance companies can confidently advertise the way they do.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Additional car insurance information is located on the Maine Bureau of Insurance website through this link. Visitors are able to read industry bulletins, report car insurance fraud, and read consumer alerts.

The best insurance company isn't always the cheapest

Consumers switch companies for many reasons like high rates after DUI convictions, lack of trust in their agent, policy cancellation and even an unsatisfactory settlement offer. Whatever your reason, finding the right car insurance provider is less work than it seems.

Cost effective car insurance can be found both online and with local Scarborough insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

When shopping online for car insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.