Find Rock Solid Methods to Save on Brewer, ME Auto Insurance

Are you confused by the crazy number of auto insurance options in Brewer? Many other drivers are as well. There are so many choices that it can quickly become a lot of work to find better rates.

Which Auto Insurance is Cheapest in Brewer?

All the larger auto insurance companies such as Allstate and Progressive quote prices on the web. Obtaining pricing is quite easy as you just type in the coverages you want into a form. Once you submit the form, their system collects information on your driving record and credit history and generates a price.

Online quotes streamlines rate comparisons, but the time required to go to different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest price.

The better way to compare rates

A quicker way to find better auto insurance pricing uses one form to return rates from more than one company. It’s a real time-saver, requires much less work on your part, and makes price shopping online much easier to do. Immediately after you send the form, it is rated and you are able to buy any of the returned quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly compare pricing, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input your coverages as close as possible to your current policy. Doing this guarantees you’re receiving comparison quotes for similar coverage.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be specifically requested before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
College Student – Children who live away from home and don’t have a car may qualify for this discount.
Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
Own a Home – Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.

Drivers should understand that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will reduce the amount you have to pay.

For a list of providers with discount auto insurance rates in Brewer, follow this link.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-38.jpg" alt="Brewer car insurance prices“/>

Your local neighborhood insurance agent

Certain consumers would prefer to buy from a licensed agent and that is just fine! Insurance agents can help determine the best coverages and help submit paperwork. One of the great benefits of price shopping on the web is you can get lower rates and still have an agent to talk to. And providing support for local insurance agencies is definitely important in Brewer.

Once you complete this quick form, your information is emailed to participating agents in Brewer who will give you bids for your insurance coverage. You don’t have to leave your house since price quotes are sent to the email address you provide. Now that’s easy!

Below are Brewer insurers that can give you price quotes.

Allstate Insurance – 221 N Main St, Brewer, ME 04412 – (207) 989-1124
Insurance Shoppers Inc – 419 Wilson St, Brewer, ME 04412 – (207) 989-1112
All Points Insurance Inc – 309 S Main St, Brewer, ME 04412 – (207) 989-8880

For a complete listing of licensed insurance agents in Brewer, view this link.

Selecting a company should depend on more than just the price. These questions are important to ask:

Do they receive special compensation for putting your coverage with one company over another?
Does the company allow you to choose your own collision repair facility?
What insurance company do they write the most business with?
If your car is in the repair shop, do you have coverage for a rental car?
Do they make recommendations based only on price?

After receiving acceptable answers for all questions you ask and an acceptable price quote, most likely you have located an insurance company that is a good match to properly service your auto insurance policy.

Is my situation unique?

When it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight if you might need an agent’s assistance.

Do I have coverage when using my vehicle for my home business?
Is my nanny covered when driving my vehicle?
When do I need to add a new car to my policy?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Will I lose any money if I cancel my policy before it expires?
Does my policy cover me when driving someone else’s vehicle?
Does my car insurance cover rental cars?
Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Much more information about auto insurance in Maine can be found on the Maine Bureau of Insurance website. Click here for link. Consumers can report car insurance fraud, find a variety of consumer forms, learn about insurance regulations, and read enforcement actions against agents and companies.

Other useful links include this link for Maine coverage information and this page on QuoteClickInsure.com.

Summing up your auto insurance search

Drivers change insurance companies for many reasons like policy cancellation, being labeled a high risk driver, unfair underwriting practices or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

You just read some good ideas how to compare auto insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from an unexpected company.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your aim should be to find the BEST coverage at the best price.