Buy Cheap York Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your personal savings and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Drivers have so many to buy insurance from, and although it's a good thing to be able to choose, too many choices makes it more difficult to compare rates.

Buying car insurance in York is easy if you know what you're doing. Basically, anyone who is required by state law to have auto insurance will be able to lower their premiums. But Maine vehicle owners do need to know how insurance companies determine prices because it can help you find the best coverage.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that come into play when calculating auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Optional equipment can affect rates - Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
  • Sex matters - Statistics have proven that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. Women and men tend to get into accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
  • Increase deductibles and save - Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more you have to pay, the bigger discount you will receive.
  • Don't sacrifice liability coverage - The liability section of your policy is the protection when a jury decides you are liable for personal injury or accident damage. It will provide legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Consolidate policies to earn discounts - The majority of insurers provide better rates to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to verify if the discount is saving money.

compare York auto insurance rates

Free York Auto Insurance Quotes

There are several ways to compare rate quotes from local York auto insurance companies. One of the best ways to find the cheapest insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quotes for every auto insurance company. One form will return price quotes instantly.
  2. A harder way to get quotes online consists of visiting the website of each company and fill out their own quote form. For examples sake, we'll assume you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in York, click here.

It's up to you which method you use, but make darn sure you compare identical deductibles and coverage limits for each comparison quote. If you use different values for each quote you can't possibly determine the lowest rate in York. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, comparing a large number of companies helps locate better pricing.

Save big with these discounts

Companies don't necessarily list every discount very clearly, so we researched some of the best known and also the lesser-known savings tricks you should be using.

  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Senior Discount - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
  • Own a Home - Simply owning a home can help you save on auto insurance because of the fact that having a home shows financial diligence.
  • Organization Discounts - Affiliation with a qualifying organization is a good way to get lower rates when shopping for auto insurance.
  • More Vehicles More Savings - Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
  • Claim Free - Drivers who don't have accidents pay much less when compared to accident-prone drivers.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Sign Early and Save - Some companies give discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Good Student Discount - This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

To choose insurance companies with the best auto insurance discounts in Maine, click here to view.

Auto insurance ads bend the truth

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all make an identical promise that you'll save big if you move your coverage to them. How does each company say the same thing? It's all in the numbers.

All companies have a preferred profile for the type of customer that makes them money. For instance, a driver they prefer might be profiled as over the age of 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Consumers who fall outside these standards will be quoted higher prices and ends up with business not being written. The ads state "customers who switch" not "people who quote" save that much money. This is how companies can advertise the way they do. This emphasizes why you need to get a wide range of price quotes. It's not possible to predict which insurance companies will provide you with the cheapest rates.

But I don't know anything about car insurance

When buying the best auto insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions may help you determine if your situation may require specific advice.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I getting all the discounts available?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?

If you're not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

More detailed Maine auto insurance information is located at the Maine Bureau of Insurance website. Maine drivers can view a list of available companies, learn about insurance regulations, report car insurance fraud, and find out which companies have the most complaints.

York auto insurance comparison

Affordable insurance is out there

When shopping online for auto insurance, never reduce coverage to reduce premium. There have been many situations where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

Budget-conscious auto insurance is possible on the web as well as from independent agents in York, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies don't offer online price quotes and these small, regional companies work with independent agents.