9 Methods to Save on Car Insurance in Winthrop, ME

Paying for high-priced car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. Insurance companies such as GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

How to Get Cheap Car Insurance in Winthrop, ME

Most companies provide pricing on their websites. Getting quotes is pretty easy as you just enter your required coverages as detailed in the form. When the form is submitted, their rating system will obtain your credit score and driving record and quotes a price determined by many factors. Online quotes makes comparing rates easy, but having to visit different websites and type in the same information can be a bit repetitive. But it's very important to do this if you want to find the best price on car insurance.

Quote rates the easy way

A quicker way to compare car insurance pricing is to use a quote form to get prices from more than one company. The form is fast, reduces the work, and makes online quotes a lot less work. As soon as you send your information, it gets priced and you can select your choice of the quotes returned.

If a lower price is quoted, it's easy to complete the application and buy the policy. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and submit the form. If you have coverage now, it's recommended you input as close as possible to your current policy. This ensures you will have an apples-to-apples comparison for similar insurance coverage.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be manually applied before being credited. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
  • 55 and Retired - Mature drivers may be able to get reduced rates.
  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Accident Free - Drivers who don't have accidents pay much less when compared with bad drivers.
  • Memberships - Belonging to a civic or occupational organization is a good way to get lower rates when buying car insurance.
  • Student in College - Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

To see a list of insurers who offer car insurance discounts in Winthrop, click here to view.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is a little different so your insurance should reflect that For instance, these questions can help discover whether you would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Learn more about car insurance in Maine

Additional information is located on the website for the Maine Bureau of Insurance located here. Consumers can report car insurance fraud, view agent and company licensing information, learn about insurance regulations, and download brochures.