Lowest Car Insurance Exclusively for Presque Isle, ME Residents

Are you intimidated by the sheer number of car insurance companies in Presque Isle? You’re not the only one! You have so many options that it can turn into a real challenge to compare prices.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. The purpose of this post is to teach you how to effectively get price quotes. But Maine car owners do need to understand how companies sell insurance online because it can help you find the best coverage.

Components of your insurance rates

An important part of buying insurance is that you know some of the elements that help determine the price you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with lower car insurance prices.

The following are some of the items that factor into rates.

  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both have accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • What type of vehicle do you drive? – The type of car you are insuring makes a big difference in determining your rates. The lowest base rates are for economy passenger vehicles, but there are many factors that impact the final cost.
  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles that can waste your money on your policy. Coverages like personal injury protection, accident forgiveness and motor club memberships are some examples. These may sound like a good investment initially, but if you don’t need them get rid of them and save.
  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be a windshield shattered by a rock, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend in the event of a claim. The higher the amount you’re willing to pay, the lower your rates will be.
  • Do you have a high stress job? – Occupations like judges, social workers and stock brokers tend to pay the highest rates due to high stress levels and long work hours. On the other hand, professions such as scientists, students and the unemployed have the lowest average rates.
  • Do you know you’re credit rating? – Having a bad credit rating is a huge factor in determining what you pay for car insurance. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit. So if your credit history can use some improvement, you could be paying less to insure your by repairing your credit.
  • Always keep insurance in force – Driving with no insurance can get your license suspended and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.

Vehicle Insurance Comparison

Most major insurance companies like State Farm and Allstate provide coverage prices directly from their websites. Getting online quotes is fairly simple as you just type in your required coverages as detailed in the form. When the form is submitted, their system automatically orders your credit score and driving record and gives you a price quote based on these factors.

This helps simplify price comparisons, but the process of having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible if you are searching for better car insurance pricing.Car insurance in Maine

The preferred way to get multiple rate quotes requires only one form to obtain quotes from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons a lot less work. Once the form is submitted, it is rated and you can choose any of the price quotes you receive.

If you find a better price you can click and sign and purchase coverage. This process takes less than 15 minutes and may result in a nice savings.

If you want to compare pricing, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you copy deductibles and limits as close as possible to your current policy. Doing this assures you will receive rate quotes for exact coverage.

These discounts can slash car insurance rates

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Most are applied when you get a quote, but some must be requested specifically prior to receiving the credit.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% with a few car insurance companies.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

To see a list of providers with the best car insurance discounts in Maine, follow this link.

More information is located on the Maine Bureau of Insurance website located here. Consumers can read enforcement actions against agents and companies, view a list of available companies, and discover disciplinary actions.

save money in Presque Isle

Buy online or local, you save

Consumers who switch companies do it for any number of reasons including questionable increases in premium, an unsatisfactory settlement offer, policy non-renewal or extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company is actually quite simple.

We’ve covered many tips how you can shop for car insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with an unexpected company.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.