Stratton Auto Insurance For Less Than You're Paying Now

Finding lower rates for Stratton auto insurance is nearly impossible for consumers not familiar with buying insurance online. People have so many choices that it can quickly become a lot of work to find lower rates in Stratton.

Choosing the best insurance company for you in Stratton is quite easy. If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Maine drivers only need an understanding of the best way to find the lowest price over the internet.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

Protect your assets with liability insurance - Liability coverage will protect you if a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Equipment add-ons that lower auto insurance rates - Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
Where you live is a factor - Being located in less populated areas is a positive aspect when insuring your vehicles. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Lower population means fewer accidents and a lower car theft rate.
Do you qualify for a multi-policy discount? - Many insurers will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to comparison shop to make sure you are getting the best deal. You may still find better rates by buying auto insurance from a different company.
Policy add-ons can waste money - There are a ton of extra bells and whistles that you can get tricked into buying on your auto insurance policy. Things like personal injury protection, accidental death and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don't need them remove them from your policy.
The type of vehicle makes a difference - The make and model of the vehicle you are insuring makes a substantial difference in your rates. The cheapest insurance rates are for small economy passenger cars, but the cost you end up paying is determined by many additional factors.
Traffic violations increase rates - Whether or not you get tickets has a big impact on rates. Only having one ticket can increase rates by twenty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.

Fast and Easy Stratton Auto Insurance Quotes

Effectively comparing auto insurance prices can take time and effort if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Stratton, or you can stay home and use the internet to get the quickest rates.

Most of the larger companies participate in an industry program that enables customers to submit one quote, and each company returns a rated price based on the submitted data. This saves time by eliminating quote requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which providers you want pricing from. So if you want to select specific insurance companies to request quotes from, we have a listing of the cheapest auto insurance companies in Maine. Click to view list.

It's up to you which method you use, but double check that you are using apples-to-apples information with every price quote. If each company quotes higher or lower deductibles it will be very difficult to find the best deal in Stratton.

Don't pay full price with these discounts

Companies offering auto insurance do not advertise all available discounts very well, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you don't get every credit available, you are paying more than you should be.

Organization Discounts - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Auto/Home Discount - If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Driver Safety - Taking part in a course in driver safety could save 5% or more if your company offers it.
Early Switch Discount - Select companies give a discount for switching policies prior to your current policy expiration. It's a savings of about 10%.
Good Students Pay Less - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Life Insurance - Larger companies have a break if you buy auto and life insurance together.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurers who offer auto insurance discounts in Maine, click here to view.

The auto insurance bait and switch

Maine consumers can't ignore all the ads for the lowest price auto insurance by companies like Allstate, GEICO and Progressive. All the companies make an identical promise of big savings after switching to them.

But how can every company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of driver that makes them money. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no tickets, and has a high credit rating. A driver who meets those qualifications will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile must pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "everyone that quotes" save money. That's why insurance companies can confidently state the savings. This illustrates why you need to get as many quotes as possible. It is impossible to predict the company that will have the lowest rates.

More tips and info about auto insurance can be read at the Maine Bureau of Insurance website. Maine consumers can find out which companies have the most complaints, view a list of available companies, and view agent and company licensing information.

Other informative sites include this link for Maine auto insurance quotes and this link which helps you find a Stratton agent.

In the end, you save

Cost effective auto insurance can be purchased online and with local Stratton insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

People change insurance companies for any number of reasons including questionable increases in premium, unfair underwriting practices, policy non-renewal or even high prices. Regardless of your reason, switching auto insurance companies is easier than you think.

As you restructure your insurance plan, do not reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.