Free Guide to Spending Less for Westbrook Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Drivers have multiple to buy insurance from, and although it's nice to have multiple companies, it can be more challenging to compare rates.

More discounts equal less premium

Companies offering auto insurance don't list all available discounts very clearly, so here is a list both well-publicized as well as the least known savings tricks you should be using.

  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Paperless Signup - A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • No Accidents - Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

auto insurance in Westbrook

Switch companies and save? Really?

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make an identical promise about savings after switching to their company. How does each company make almost identical claims?

Insurance companies are able to cherry pick for the driver that earns them a profit. An example of a profitable customer could possibly be a mature driver, has no driving citations, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards must pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully state the savings. This illustrates why you should get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Learn more about Maine auto insurance

Even more information is available at the Maine Bureau of Insurance website. Maine consumers can find disaster information, report car insurance fraud, view agent and company licensing information, and read enforcement actions against agents and companies.

Final considerations

Cheaper auto insurance can be purchased online and also from your neighborhood Westbrook agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.