Free Guide to Paying Less for Searsport Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are many people just like you. Because you have many auto insurance companies to choose from, it can be hard to find the best company.

It's important to price shop coverage every six months because prices are constantly changing. Even if you got the best rates a couple years back you can probably find a better price now. There is a lot of wrong information about auto insurance online but I'm going to show you some great ways to quit paying high auto insurance rates.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Your spouse saves you money - Getting married can actually save you money when buying auto insurance. It usually means you are more mature and it's proven that being married results in fewer claims.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered would be a windshield shattered by a rock, damage from fire, or theft. Your deductibles are how much you are willing to pay in the event of a claim. The more expense the insured has to pay upfront, the less your auto insurance will be.
Better credit scores mean better rates - Credit score is a important factor in calculating your auto insurance rates. If your credit score is lower than you'd like, you could save money insuring your by improving your rating. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
Cautious drivers pay less - Your driving citation history has a big impact on rates. Drivers with clean records have lower premiums than bad drivers. Just one speeding ticket may increase your cost forty percent or more. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Car features impact rates - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Your job and insurance rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, architects and stock brokers are shown to have the highest rates because of high stress and long work days. On the other hand, occupations like actors, students and homemakers pay the least.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise all their discounts very well, so the following is a list of both the well known as well as the least known auto insurance savings. If you don't get every credit possible, you are paying more than you should be.

Sign Online - A few companies may give you up to $50 just for signing your application online.
Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Discount for Good Grades - This discount can earn a discount of 20% or more. The good student discount can last until age 25.
Homeowners Discount - Owning a house in Searsport may trigger a auto insurance policy discount because owning a home demonstrates responsibility.

It's important to note that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you're out of luck.

To choose companies offering auto insurance discounts in Maine, follow this link.

Is there truth in advertising?

Consumers in Maine can't ignore all the ads that promise big savings from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing that you can save if you switch your policy.

But how can every company claim to save you money?

Insurance companies are able to cherry pick for the right customer that makes them money. A good example of a desirable insured might be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about Maine auto insurance

Additional detailed information can be read at the Maine Bureau of Insurance website. Visitors are able to get help finding coverage, report car insurance fraud, find out industry alerts, and file complaints about a company.

Other informative sites include this site for Maine auto insurance information and see this list of insurance agents in Searsport.

Best coverage at the best price

Lower-priced auto insurance can be found both online in addition to many Searsport insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, don't be tempted to buy poor coverage just to save money. In many cases, someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford.