New Strategies for Paying Less for on Topsham Car Insurance

If shopping for car insurance online is new to you, you may be confused by the large number of car insurance companies selling insurance in Topsham.

Take discounts and save

Companies don’t list all their discounts in a way that’s easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Resident Student – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • E-sign – A few companies will give a small break for buying a policy and signing up online.
  • No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

To choose insurance companies who offer car insurance discounts in Maine, follow this link.

Topsham Car Insurance Quote Comparison

There are several ways to shop for car insurance, but some are easier and takes less work. You could waste a few hours talking to insurance companies in Topsham, or you can utilize the internet to get pricing more insurance image

Most car insurance companies are enrolled in a marketplace where prospective buyers submit their information once, and at least one company provides a quote determined by their information. This saves time by eliminating repetitive form submissions for every car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

The one disadvantage to using this type of system is buyers cannot specifically choose which carriers you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have assembled a list of companies who write car insurance in Maine. View list of Maine insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same deductibles and coverage limits on every quote you get. If you have different deductibles you will not be able to determine the best price in Topsham.

One last thing

Consumers change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, lack of trust in their agent or even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

car insurance image

We just covered some good ideas how you can save on car insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from an unexpected company.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured cut physical damage coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.