Orono, ME Auto Insurance Buying Tips You Aren’t Supposed to Know

Are you overwhelmed by the crazy number of auto insurance choices in Orono? Lot’s of other consumers are too. People have so many options available that it can be a ton of work to find the perfect company for you.

It’s a great practice to get comparison quotes at least once a year since insurance rates are adjusted regularly by insurance companies. Just because you found the best rates a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn the right way to find great coverage at a great price.

Discounts are basically free money

Auto insurance companies do not advertise all their discounts very well, so here is a list some of the best known as well as the least known savings tricks you should be using.

• Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
• Club Memberships – Being a member of certain professional organizations is a good way to get lower rates when shopping for auto insurance.
• Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
• Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Lower Rates for Military – Being on active duty in the military can result in better rates.
• Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.

Keep in mind that most credits do not apply the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

Finding Auto Insurance in Orono, ME

There are several ways to compare rate quotes from auto insurance companies in your area. The fastest way to find the lowest rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

One of the simplest ways to get quotes is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate forms for each company you want a rate for. One simple form will get you rate comparisons direct from many companies. It’s the fastest way to compare.

A more difficult way to obtain and compare quotes online is to take the time to go to the website for every company you want to comare and complete a new quote form. For sake of this example, let’s assume you want to compare rates from State Farm, Progressive and American Family. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

For a handy list of car insurance company links in Orono, click here.

Which method you use is up to you, but compare apples-to-apples coverages for every quote you compare. If the quotes have different deductibles it’s impossible to decipher which rate is best in Orono. Just a small difference in limits may result in large price differences. It’s important to know that more quotes gives you a better chance of getting a lower rate.

Which insurance is the “right” coverage?

When choosing proper insurance coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions could help you determine whether or not you would benefit from professional advice.

• Is my business laptop covered if it gets stolen from my vehicle?
• Do no-fault laws apply in Maine?
• What are the best liability limits?
• Do I need rental car coverage?
• Does my insurance cover my expensive audio equipment?
• How many claims can I have before being cancelled?
• When should I drop full coverage on my vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

A little work can save a LOT of money

We’ve covered many ideas to compare auto insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with an unexpected company.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to find out that it was a big error on their part. Your goal should be to buy enough coverage at the best price.

Lower-priced auto insurance is attainable on the web and with local Orono insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.