Turner Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the dozens of auto insurance choices in Turner? You're not alone. You have so many choices that it can turn into a ton of work to find the best price.

It's important to shop coverage around at least once a year since insurance rates are constantly changing. Even if you got the lowest price last year you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

Save big with these discounts

Car insurance companies don't always publicize all their discounts in a way that's easy to find, so we researched some of the best known and the harder-to-find auto insurance savings. If you aren't receiving every discount possible, you are throwing money away.

  • Senior Discount - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • New Vehicle Savings - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • Claim Free - Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.

Keep in mind that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn't work that way.

Turner auto insurance comparison

Auto insurance ads bend the truth

Maine drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you can save after switching your coverage to them.

How can each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For instance, a desirable insured might be profiled as over the age of 50, has no tickets, and drives newer vehicles. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money which usually ends up with business not being written. The ad wording is "drivers who switch" not "people who quote" save that much money. That's the way insurance companies can claim big savings. Because of the profiling, you should get as many comparisons as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Additional detailed information is located at the Maine Bureau of Insurance website. Maine drivers can learn about insurance regulations, discover disciplinary actions, and file complaints about an insurance agent or broker.

auto insurance in Turner

In the end, you save

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and learned later that it was a big mistake. Your aim should be to get the best coverage possible for the lowest price.

Affordable auto insurance can be purchased on the web as well as from independent agents in Turner, and you should be comparing both to have the best chance of lowering rates. A few companies don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Consumers change insurance companies for any number of reasons including denial of a claim, delays in responding to claim requests, delays in paying claims and even extreme rates for teen drivers. Whatever your reason, switching auto insurance companies is less work than it seems.