Top Ways to Save on Standish Auto Insurance

Having to pay for overpriced auto insurance can dwindle your personal savings and force you to make sacrifices. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

Since consumers have many different company options, it is hard for the average consumer to choose the lowest price car insurance company.

It's important to check auto insurance prices yearly because insurance rates are constantly changing. If you had the lowest price on your last policy there may be better deals available now. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to stop overpaying for insurance.

Finding affordable coverage in Standish is quite easy. In a nutshell, anyone who has to buy auto insurance will most likely be able to reduce their rates. Nevertheless, Maine drivers do need to know how the larger insurance companies determine prices because it can help you find the best coverage.

Maine auto insurance quotes

Policy discounts you shouldn't miss

Companies don't list all their discounts very well, so we researched both well-publicized and the harder-to-find ways to save on auto insurance.

  • Auto/Life Discount - Larger companies have a break if you buy life insurance.
  • Discount for New Cars - Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Military Rewards - Having a family member in the military can result in better rates.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Defensive Driving Course - Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Driver's Ed - Require your teen driver to complete a driver education course in high school.

Consumers should know that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

For a list of companies with the best auto insurance discounts in Maine, click this link.

Where Can I Get Cheap Standish Auto Insurance?

The are a couple different ways of comparing rate quotes from local Standish auto insurance companies. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.

One of the best ways to get quotes is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quote forms for each company you want a rate for. A single, simple form will return price quotes from many national carriers.

A less efficient way to shop for auto insurance online consists of visiting the website for each individual company to complete a price quote. For example, we'll assume you want comparison quotes from , and . To get each rate you have to visit each site to enter your coverage information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Standish, click here.

It doesn't matter which method you choose, just make sure you use apples-to-apples deductibles and coverage limits with each company. If you compare different values for each quote it will be very difficult to make an equal comparison in Standish. Having just a slight variation in coverage limits can make a big difference in price. And when comparing auto insurance rates, know that quoting more gives you a better chance of getting better pricing.

Insurance agents can help

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone's situation is unique so this has to be addressed. For example, these questions can help discover whether your personal situation will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won't pay a claim?

If it's difficult to answer those questions then you might want to talk to an agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Affordable insurance is out there

When you buy insurance online, don't be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price.

Cost effective auto insurance is possible online and with local Standish insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and most of the time these small, regional companies sell through independent agents.