Tightwads Tips for Saving on Springvale Auto Insurance

Nobody cherishes buying auto insurance, in particular when the price is too high.

Consumers have many to buy insurance from, and although it's nice to have a choice, it can be more difficult to compare rates.

Buying affordable auto insurance in Springvale is simple if you know the tricks. In a nutshell, everyone who carries auto insurance should be able to save money. Although Maine drivers do need to know how insurance companies sell online and take advantage of how the system works.

compare Springvale auto insurance rates

Be sure to get all your discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Some discounts apply automatically when you quote, but some must be specifically requested before you get the savings.

  • Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Paperwork-free - A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Safety Course Discount - Successfully completing a course in driver safety can save you 5% or more depending on where you live.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for better rates on cars that stay parked.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies with discount auto insurance rates in Maine, click this link.

Finding Auto Insurance Deals in Springvale, ME

Performing a rate comparison can be challenging if you don't know the most efficient way to do it. You can waste hours driving to local insurance agents in Springvale, or you could use the internet to achieve your goal.

Most car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each participating company provides a quote for coverage. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

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

The only downside to comparing rates this way is you don't know exactly the companies to get quotes from. If you would rather choose from a list of companies to receive pricing from, we put together a list of companies who write auto insurance in Maine. Click here to view list.

It doesn't matter which method you choose, just make absolute certain that you use identical quote information on every quote you get. If you use mixed coverages then you won't be able to determine which rate is truly the best in Springvale. Having just a slight variation in coverages may result in a large different in cost. And when quoting auto insurance, remember that getting more free quotes helps locate a better price.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a one size fits all plan. Every situation is different so this has to be addressed. For example, these questions might point out whether or not you may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Do the work, save more money

While you're price shopping online, never sacrifice coverage to reduce premiums. There have been many situations where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

The cheapest auto insurance can be sourced online and also from your neighborhood Springvale agents, and you should be comparing both to have the best selection. Some companies may not provide online quoting and these smaller companies work with independent agents.