Unity Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the wide range of auto insurance company choices in Unity? Lot's of other consumers are too. Drivers have so many choices that it can turn into a lot of work to locate the lowest price.

Comprehensive Unity Auto Insurance Comparison Quotes

Most major insurance companies such as State Farm, Allstate and GEICO allow you to get coverage prices on their websites. This process is quite simple as you simply type in the coverage amounts you desire as detailed in the form. Behind the scenes, the system will obtain your credit score and driving record and generates a price.

Online price quotes helps simplify price comparisons, but the time required to go to different websites and complete many quote forms is not the best way to spend an afternoon. But it's very important to do this in order to find the best price on auto insurance.

A less time-consuming method to find better auto insurance pricing uses one form that gets prices from multiple companies. The form is fast, reduces the work, and makes online shopping much simpler. As soon as the form is sent, it is rated with multiple companies and you can pick any of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you input the coverages exactly as shown on your declarations page. This way, you will be getting an apples-to-apples comparison based on similar coverages.

compare Unity auto insurance rates

Good Decisions Result in Lower Rates

It's important that you understand the factors that play a part in calculating the rates you pay for auto insurance. Understanding what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

Shown below are some of the items auto insurance companies consider when setting prices.

  • Your car's features help determine rates - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Safer occupants lowers premiums - Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you.
  • Liability insurance protects assets - Your policy's liability coverage provides coverage when you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Extra coverages can waste money - There are quite a few extra coverages that can waste your money when buying auto insurance. Coverages like rental car reimbursement, accident forgiveness and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they're wasting money get rid of them and save.
  • Having a spouse can save you money - Getting married helps lower the price on auto insurance. Having a significant other means you're more mature and it's proven that being married results in fewer claims.
  • Older drivers save more - Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Youthful drivers have a tendency to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • Cautious drivers pay less - A bad driving record impacts your car insurance rates tremendously. Careful drivers have lower premiums than their less careful counterparts. Even a single speeding ticket can boost insurance rates forty percent or more. If you have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Some trigger automatically at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit. If they aren't giving you every credit possible, you're just leaving money on the table.

  • Student Driver Training - Require your teen driver to successfully complete driver's ed class if offered at their school.
  • Low Mileage Discounts - Low mileage vehicles could qualify for a substantially lower rate.
  • Club Memberships - Being a member of certain professional organizations may earn a discount when shopping for auto insurance.
  • Paperwork-free - A few companies may give you up to $50 just for signing your application on their website.
  • Distant Student - Youth drivers living away from home attending college and don't have a car can be insured at a reduced rate.

It's important to note that some credits don't apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will cut the cost of coverage.

For a list of insurance companies with discount auto insurance rates in Unity, click here.

More information can be read on the Maine Bureau of Insurance website located here. Visitors are able to view a list of available companies, find disaster information, and find out which companies have the most complaints.

auto insurance in Unity

A tidy conclusion

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

Lower-priced auto insurance can be sourced both online and also from your neighborhood Unity agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online quoting and these small insurance companies work with independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. There have been many situations where an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.