5 Ways You Can Buy Car Insurance for Less in Southwest Harbor

Purchasing cheap Southwest Harbor car insurance over the internet can be difficult for consumers new to online price comaprisons. With so many insurers available, how can consumers effectively compare the different rates to find the best available rates?

Don't pay full price with these 5 discounts

Companies offering auto insurance do not advertise every discount in a way that's easy to find, so we researched both the well known and the more hidden savings tricks you should be using.

  • Government Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
  • Own a Home - Simply owning a home can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Club Memberships - Being a member of a civic or occupational organization is a good way to get lower rates when shopping for car insurance.

It's important to note that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, you're out of luck.

For a list of insurance companies who offer car insurance discounts in Southwest Harbor, click here to view.

Where Can I Get Cheap Southwest Harbor Car Insurance?

Effectively comparing car insurance prices can take time and effort if you don't know the easiest way. You can waste hours discussing policy coverages with local insurance agents in Southwest Harbor, or you can utilize the internet to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace that enables customers to enter their policy data once, and at least one company returns a competitive quote. This saves time by eliminating quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is you don't know exactly the companies to get quotes from. If you wish to select specific providers to receive pricing from, we have assembled a list of low cost car insurance companies in Maine. Click to view list.

It's up to you which method you use, but make sure you use exactly the same quote information for each comparison quote. If you compare mixed coverages it will be next to impossible to determine the lowest rate in Southwest Harbor. Quoting even small variations in limits can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding the best offered rates.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Each situation is unique.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • What are the financial responsibility laws in Maine?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Do I qualify for additional discounts?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form.

Shop smart and save

People change insurance companies for many reasons like high rates after DUI convictions, delays in paying claims, an unsatisfactory settlement offer and unfair underwriting practices. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

As you restructure your insurance plan, it's not a good idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability coverage limits only to discover later that they should have had better coverage. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Lower-priced car insurance can be sourced both online as well as from independent agents in Southwest Harbor, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don't offer online quoting and these small, regional companies work with independent agents.