Orono Maine Car Insurance Buying Tips You Aren’t Supposed to Know

Sick and tired of scraping the payment together to insure your vehicles every month? You’re in the same situation as many other drivers in Maine.

With consumers having so many different company options, it is hard for the average consumer to find the cheapest insurer.

Finding affordable coverage in Orono is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. But Maine car owners need to learn how companies market on the web and apply this information to your search.

These discounts can slash car insurance rates

Companies that sell car insurance don’t always publicize all available discounts very well, so we break down both well-publicized and also the lesser-known ways to save on car insurance.

• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
• Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
• Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
• Accident Free – Drivers who don’t have accidents pay less when compared with frequent claim filers.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
• Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10%.
• Early Switch Discount – Some companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
• Paperwork-free – A handful of insurance companies will give a small break for buying your policy over the internet.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way.

To see a list of insurers who offer car insurance discounts in Maine, click this link.

Free Orono Car Insurance Quotes

Most companies like 21st Century, Allstate and State Farm provide prices on their websites. Obtaining pricing is pretty painless as you simply type in the coverage amounts you desire as detailed in the form. Behind the scenes, the system sends out for your driving and credit reports and quotes a price based on these factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit several different sites and fill out multiple forms can get tiresome after awhile. But it is imperative to compare as many rates as possible if you are searching for the lowest price.

A more efficient way to compare rates makes use of a single form to obtain quotes from several different companies. This type of form saves time, eliminates form submissions, and makes comparison shopping a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and could lower your rates considerably.

If you want to compare rates using this form now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you copy coverages and limits exactly as they are listed on your policy. This helps ensure you will get an apples-to-apples comparison using the same coverage and limits.

Quote often and quote early

In this article, we presented a lot of information how to shop for car insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest rates come from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured cut collision coverage only to discover later that it was a big error on their part. The proper strategy is to buy enough coverage at the best price.