Quote Kittery Maine Auto Insurance at a Discount With These Tricks

I can’t think of anyone who looks forward to buying auto insurance, especially knowing they are paying too much.

Having so many companies to choose from, it’s difficult to find the best company.

Educated Consumers Know How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

The more you drive the more you pay – The more miles you rack up on your car in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Your location is important – Residing in a rural area has it’s advantages when buying auto insurance. Fewer people means fewer accidents. City drivers tend to have congested traffic and longer commute times. Longer commute distances means higher likelihood of an accident.
Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
Being married can save on auto insurance – Having a wife or husband helps lower the price on your auto insurance policy. It means you’re more responsible and it’s proven that being married results in fewer claims.
High credit ratings translate to low rates – A driver’s credit score is a large factor in calculating your auto insurance rates. If your credit history is lower than you’d like, you could be paying less to insure your by improving your credit score. People with excellent credit tend to be more responsible than drivers who have poor credit.
Never let your coverage lapse – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.

Pay less by taking advantage of discounts

Companies offering auto insurance do not advertise every discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find auto insurance savings.

Service Members Pay Less – Being deployed with a military unit can result in better rates.
Seat Belts Save – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
Senior Discount – Mature drivers may receive reduced rates.
E-sign – A few companies will give a small break simply for signing digitally online.
Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

A little note about advertised discounts, most credits do not apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurers who offer auto insurance discounts in Kittery, click here.

Are insurance agents obsolete?

Some consumers prefer to sit down with an agent and that is OK! One of the great benefits of comparing rates online is the fact that you can find lower rates but also keep your business local.

For easy comparison, once you complete this quick form, your information is sent to insurance agents in Kittery who will return price quotes for your business. You never need to drive around due to the fact that quote results will go directly to your email. It doesn’t get any easier! You can find better rates and a licensed agent to work with.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-97.jpg" alt="Kittery Maine insurance quotes” />

Deciding on an insurer should depend on more than just the price. Any agent should have no problem answering these questions:

What insurance companies do they work with?
Is working in the agency their full-time job?
Are they properly licensed to sell insurance in Maine?
How long have they worked with personal auto insurance coverage?
Is their price quote a firm figure or are their hidden costs?

Different types of Kittery auto insurance agents

When searching for a good Kittery insurance agent, there are two different types of agents that you can select. Kittery agents can either be captive or independent (non-captive).

Captive Insurance Agents

Captive agents are contracted to one company like AAA, State Farm, Farmers Insurance and Allstate. Captives cannot shop your coverage around so always compare other rates. Captive agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, we recommend you contact at a minimum one independent agency for maximum quote selection.

Listed below is a list of independent agents in Kittery willing to provide price quotes.

Cole Harrison Agency – 27 Walker St – Kittery, ME 03904 – (207) 439-5981

For a full directory of Kittery insurance agents, go to this page.

Once you have received acceptable answers to your questions as well as a affordable price, you’ve probably found an auto insurance agent that will provide auto insurance coverage.

How can State Farm, Allstate and GEICO save drivers who switch?

State Farm, Allstate and GEICO consistently run ads on television and other media. All the companies make an identical promise of big savings if you change your coverage to them. How does each company make the same claim?

Insurance companies have a preferred profile for the type of driver they prefer to insure. An example of a driver they prefer might be profiled as a mature driver, has no prior claims, and has great credit. Any driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Drivers who do not match these standards will be quoted higher rates which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make those claims. This emphasizes why you need to compare as many rates as you can. Because you never know which insurance companies will give you the biggest savings.

More tips and info about auto insurance is located at the Maine Bureau of Insurance website. Consumers can view agent and company licensing information, read state legal mandates and laws, get help finding coverage, and file complaints about an insurance agent or broker.

More effort can pay off

Cheap auto insurance can be sourced from both online companies as well as from independent agents in Kittery, and you should be comparing both in order to have the best price selection to choose from. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford.