Shop For Portland Car Insurance for the Lowest Rate With These Proven Methods

Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you’re not alone. Companies like State Farm, Allstate, GEICO and Progressive continually hit you with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a good habit to take a look at other company’s rates on a regular basis because prices trend upward over time. Just because you had the lowest price a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

If you are insured now or need a new policy, you can use this information to find the best rates and possibly find even better coverage. Finding affordable coverage in Portland is easy if you know what you’re doing. Maine vehicle owners only need an understanding of the most efficient way to shop on the web.

Save big with these discounts

Insuring your vehicles can cost a lot, but companies offer discounts to cut the cost considerably. Some trigger automatically when you complete an application, but less common discounts must be specifically requested before you will receive the discount. If you don’t get every credit available, you are paying more than you should be.

  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Senior Discount – Mature drivers may receive better car insurance rates.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will help reduce your premiums.

To see a list of insurance companies with discount car insurance rates in Maine, click here to view.Portland auto insurance

Quick Portland Car Insurance Quotes

All major car insurance companies quote insurance quotes online. Getting online rates is fairly simple as you just type in your required coverages into a form. When complete, their rating system orders your driving record and credit report and returns a price quote based on these factors. This helps simplify price comparisons, but the process of having to visit a lot of sites and enter the same data into a form can be a bit repetitive. But it is imperative to compare as many rates as possible if you are searching for better prices.

Compare rates the easy way

A less time-consuming method to lower your car insurance bill uses one simple form to return rates from many companies. This type of form saves time, reduces the work, and makes online price comparison much simpler. Once the form is submitted, your coverage is rated and you can select any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and can result in significant savings.

To quickly get comparison pricing now, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you input the coverage information as close as possible to your current policy. This way, you will get a fair comparison for similar insurance coverage.

But I don’t know anything about car insurance

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs may require specific advice.

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  • How do I file an SR-22 for a DUI in Maine?
  • Am I covered when driving on a suspended license?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why does it cost so much to insure a teen driver in Portland?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Better coverage you can count on

We just presented a lot of information how to shop for car insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the best price on car insurance is with a small local company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped liability coverage limits only to discover later that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.