Tightwads Instructions on Saving on Saco, ME Auto Insurance

Purchasing the cheapest Saco auto insurance over the internet is problematic for beginners to comparison shopping online. Because there are so many insurance companies available, how can you effectively compare them all to find the lowest price available?

Saco Auto Insurance Comparisons

Most major insurance companies like State Farm and Allstate give prices directly from their websites. This process is quite easy as you just enter your coverage preferences as requested by the quote form. Behind the scenes, their rating system gets your credit score and driving record and quotes a price based on these factors.

This makes comparing rates easy, but the work required to visit many different websites and type in the same information is repetitive and time-consuming. But it’s very important to do this in order to find the lowest auto insurance rates.

Compare rates the easy way

The easiest way to get multiple rate quotes uses one simple form to obtain quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes comparison shopping a lot less work. After sending your information, it is quoted with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to get comparison pricing now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you complete the form with coverages and limits identical to your current policy. This helps ensure you will be getting rate quotes using the exact same coverages.

These discounts can slash auto insurance rates

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we break down some of the best known and the more hidden discounts you could be receiving.

  • Fewer Miles Equal More Savings – Fewer annual miles could qualify for a substantially lower rate.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • No Claims – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Sign Early and Save – Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.

Drivers should understand that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

For a list of insurance companies with the best auto insurance discounts in Saco, follow this link.Maine insurance ad

Buy Cheaper Auto Insurance with These Tips

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with better auto insurance rates.

  • Don’t skimp on liability – Liability insurance is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • An active claims history can cost you – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies in Maine generally give lower rates to drivers who do not file claims often. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • A clean driving record saves money – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Only having one citation may increase your cost by as much as thirty percent. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Lower miles equals lower premium – The more miles you rack up on your car each year the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance policy is rated on how each vehicle is driven, because it can save money.
  • Do you qualify for a multi-policy discount? – Most companies provide better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to compare rates to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.

Car Insurance through a local agent

Some people prefer to sit down with an agent. The biggest benefit of getting online price quotes is that you can obtain lower rates and still have an agent to talk to.

Upon completion of this quick form, your information is instantly submitted to agents in your area who will return price quotes for your insurance coverage. There is no reason to even leave your home because quoted prices will be sent directly to your email. Now that’s easy! You’ll get the best rates AND a local agent.

Selecting an provider requires more thought than just the bottom line cost. Ask your prospective agent these questions:

  • How long have they worked with personal auto insurance coverage?
  • Does the agency have a good rating with the Better Business Bureau?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they regularly work with personal auto policies?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Can they provide you with a list of referrals?
  • How much can you save by raising your physical damage deductibles?

To view a list of agents in Saco to contact, please click here.

After receiving answers to your satisfaction to any questions you have and an acceptable price quote, most likely you have located an insurer that meets your needs to provide auto insurance coverage.

When should I use an insurance agent?

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • Is my vehicle covered for smoke damage?
  • Is my babysitter covered when using my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Who is covered when they drive my vehicle?
  • Is business equipment covered while in my vehicle?
  • What can I do if my company denied a claim?
  • Am I covered if I wreck a rental car?
  • Do no-fault laws apply in Maine?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Auto insurance in Saco

Even more information can be read at the Maine Bureau of Insurance website. Maine drivers can get help finding coverage, find disaster information, and find a variety of consumer forms.

Additional helpful sites include QuoteClickInsure.com and this list of agents in Saco, ME.

In the end, you save

We covered some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from some of the lesser-known companies.

Cost effective auto insurance is available from both online companies in addition to many Saco insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Consumers who switch companies do it for many reasons like delays in responding to claim requests, questionable increases in premium, high rates after DUI convictions and delays in paying claims. It doesn’t matter why you want to switch switching companies is easier than you think.