9 Tricks to Cut Your Car Insurance Rates in Lisbon

Are you intimidated by the dozens of car insurance companies in Lisbon? You’re not the only one! You have so many companies to choose from that it can easily become a ton of work to find the perfect company for you.

You should make it a habit to get comparison quotes every six months because insurance rates change quite often. Just because you found the lowest rates on your last policy there may be better deals available now. You’ll find quite a bit of inaccurate information about car insurance online but with this article, you’re going to get some of the best ways to quit paying high car insurance rates.

Vehicle Insurance Comparison

All major car insurance companies allow you to get coverage price quotes on their websites. Getting online quotes doesn’t take much effort as you just type in your coverage information into a form. Upon sending the form, the system obtains credit information and your driving record and provides a quote based on many factors.

Online quotes simplifies rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to do this if you are searching for the lowest car insurance rates.

Quote rates the easy way

A more efficient way to find cheaper rates makes use of a single form that analyzes rates from several different companies. It saves time, requires less work, and makes online quotes much simpler. As soon as you send your information, your coverage is rated with multiple companies and you can pick your choice of the returned quotes.Lisbon Maine insurance quotes

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to compare pricing, click here to open in new window and enter your information. If you have your current policy handy, we recommend you duplicate just like they are on your policy. This helps ensure you will be getting rate quotes for similar insurance coverage.

Take discounts and save

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some trigger automatically when you purchase, but some may not be applied and must be requested specifically prior to getting the savings.

  • Discount for New Cars – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break on your policy.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • No Charge for an Accident – A few companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Resident Student – Kids in college who are attending college and don’t have a car may be able to be covered for less.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Low Mileage – Keeping the miles down can qualify you for better rates on cars that stay parked.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurance companies with the best car insurance discounts in Maine, click here to view.

Which policy gives me the best coverage?

When choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

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  • Does my vehicle need full coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered by my spouse’s policy after a separation?
  • When should I remove comp and collision on my vehicle?
  • Should I buy only the required Maine minimum liability coverage?
  • What if I total my vehicle and owe more than it’s worth?
  • Am I getting all the discounts available?
  • Is business property covered if stolen from my car?
  • Why is insurance for a teen driver so high in Lisbon?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Much more information about car insurance in Maine is located on the Maine Bureau of Insurance website through this link. Maine drivers can find out industry alerts, view agent and company licensing information, file complaints about an insurance agent or broker, and view a list of available companies.

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