Pay Less for Westbrook Car Insurance Rates in Five Minutes

Are you sick and tired of being strong-armed to buy car insurance? You’re in the same situation as millions of other consumers.

There is such a variety of auto insurance companies to choose from, and even though it’s nice to have multiple companies, so many choices can make it hard to compare rates and find the lowest cost car insurance.

It’s a great practice to shop coverage around every six months because prices tend to go up over time. Just because you found the lowest price a few years ago you will most likely find a better rate today. So just forget all the misinformation about car insurance because we’re going to show you one of the quickest ways to properly buy coverages and cut your premium.

This article will let you in on the best way to quote coverages and some money-saving tips. If you have car insurance now, you will be able to save some money using these techniques. Although Maine car owners need to learn how companies market insurance on the web because it can help you find the best coverage.

How to Compare Car Insurance Costs in Westbrook, Maine

To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The best method to find the lowest rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The most efficient way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate forms to each individual car insurance company. Just one form will return quotes direct from many companies.

A harder way to shop for car insurance online consists of visiting the website for every company you want to comare to request a price quote. For examples sake, let’s say you want to compare GEICO, Esurance and Liberty Mutual. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. To view a list of companies in Westbrook, click here.

The least efficient way of getting rate comparisons is to waste gas driving to and from local Westbrook insurance agencies. The internet eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed Westbrook agents. You can, however, obtain prices from the web but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but double check that you are using the exact same coverage limits and deductibles with every price quote. If your comparisons have different deductibles it will be very difficult to find the best deal in Westbrook. Slightly different limits may result in large price differences. And when price shopping your coverage, obtaining a wide range of quotes helps you find a lower rate.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specifically requested before you will receive the Westbrook insurance quote

  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application online.
  • Student in College – Any of your kids who are attending college and don’t have a car may qualify for this discount.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.

Keep in mind that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But any discount will help reduce the amount you have to pay.

Online quotes with a local Westbrook insurance agent

A small number of people prefer to get advice from a local agent and that is OK! One of the best bonuses of comparing insurance prices online is you can get the lowest rates and still choose a local agent. And providing support for local businesses is important particularly in Westbrook.

Once you complete this simple form, your insurance coverage information is immediately sent to agents in your area who will compete for your business. There is no reason to leave your computer because quoted prices will be sent to your email. It doesn’t get any easier! You can find better rates without the usual hassles of price shopping.

Two different types of auto insurance agents

When looking for a good insurance agency, there are two different types of agents that differ in how they can insure your vehicles. Agents are classified as either independent (non-captive) or captive.

Independent Agents

Independent agencies are not employed by any specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When shopping rates, you should always contact several independent insurance agents to get the best comparison.

The following are Westbrook independent agents that can give you pricing information.

Acadia Insurance Co – 1 Acadia Cmn – Westbrook, ME 04092 – (207) 772-4300
Mary Gavin Agency – 201 Main St # 3 – Westbrook, ME 04092 – (207) 854-9388
Sentry Insurance Co – 821 Main St – Westbrook, ME 04092 – (207) 856-6301

Captive Insurance Agents

Captive agents work for only one company like AAA, State Farm, Farmers Insurance and Allstate. They are unable to place coverage with different providers so always compare other rates. They are well schooled on their company’s products and that can be a competitive advantage.

Shown below are captive agencies in Westbrook that can give you price quotes.

free Westbrook insurance quote

Allstate Insurance – 543 Main St – Westbrook, ME 04092 – (207) 856-0000

To view a full list of Westbrook captive insurance agencies, view this link.

Selecting a car insurance agent needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:

  • How long have they worked with personal auto insurance coverage?
  • How are they compensated?
  • Are they properly licensed to sell insurance in Maine?
  • Are they full-time agents?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the agency support the community they serve?
  • Who are their largest clients?
  • Is assistance available after office hours?

After getting positive feedback to your questions and a good coverage price, chances are good that you have found an auto insurance agent that will provide car insurance coverage.

Additional information is located on the website for the Maine Bureau of Insurance through this link. Visitors are able to learn about specific coverages, read industry bulletins, and find disaster information.

Final thoughts

Budget-conscious car insurance is available from both online companies and with local Westbrook insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.