Uncover the Secrets to Paying Less for Gorham Maine Car Insurance

Comparing Gorham car insurance rates online can seem like an uphill battle if you’ve never compared online quotes. But don’t let that discourage you because finding affordable coverage online is easier than you think.

It’s a good idea to compare prices yearly since insurance rates change quite often. Just because you had the best rates last year there may be better deals available now. Starting now, forget all the misinformation about car insurance because I’m going to teach you one of the quickest ways to properly buy coverages and cut your premium.

Buying car insurance in Gorham is quite easy. Just about everyone who shops for car insurance stands a good chance to be able to reduce their rates. Nevertheless, Maine vehicle owners should learn how big insurance companies price insurance differently and take advantage of how the system works.

Discounts are available to cut your rates

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find ways to save on car insurance.

• No Accidents – Claim-free drivers pay less when compared with bad drivers.
• Clubs and Organizations – Affiliation with a qualifying organization may earn a discount on car insurance.
• Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
• Homeowners Pay Less – Owning a house in Gorham may trigger a car insurance policy discount because maintaining a house shows financial diligence.
• Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less than drivers with accident claims.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if you will benefit from professional help.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is borrowed equipment or tools covered if stolen or damaged?
• Why is insurance for a teen driver so high in Gorham?
• When should I not file a claim?
• Is my dog or cat covered if injured in an accident?
• Do I qualify for additional discounts?
• Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

But buying car insurance online seems impersonal

Some consumers would prefer to buy from a licensed agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is the fact that you can find the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this short form, your coverage information is sent to local insurance agents who will battle for your coverage. There is no need to even leave your home as quotes are delivered to the email address you provide. How’s that for easy! You’ll get the best rates AND a local agent.

Deciding on an insurer should depend on more than just the price. Here are some questions to ask:

• Who is covered by the car insurance policy?
• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• Is vehicle damage repaired with OEM or aftermarket parts?
• How are claims handled?
• Are claim adjusters local or do you have to take your car somewhere else?
• Does the agency support the community they serve?
• Will your rates increase after a single accident?

Do you need an independent or captive car insurance agent?

When looking for local Gorham agents, you need to know there are two types of insurance agents from which to choose. Agents can either be captive or independent (non-captive).

Captive Insurance Agents

This type of agents have only one company to place business with and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot shop your coverage around so they have to upsell other benefits. Captive agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives mostly because of high brand loyalty and strong financial ratings.

Shown below are Gorham captive insurance agents who can help you get price quote information.

• Allstate Insurance – 36 Main St – Gorham, ME 04038 – (207) 839-6600

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company so they can insure your vehicles amongst many companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency. When comparison shopping, we recommend you include price quotes from several independent insurance agents for maximum quote selection.Most can insure with smaller companies who may have lower rates.

Listed below is a short list of independent agents in Gorham willing to provide comparison quotes.

• Gary P Towle Insurance – 39 Main St # C – Gorham, ME 04038 – (207) 839-6585
• J P Henderson Insurance – Primrose Ln – Gorham, ME 04038 – (207) 839-7003
• C E Carll Agency – 65a Main St – Gorham, ME 04038 – (207) 839-3371

For a full directory of licensed insurance agents in Gorham, visit this site.

Once you have positive feedback to all your questions and a good coverage price, you have narrowed it down to an insurance agent that meets your needs to adequately provide car insurance.

Additional detailed information can be found at the Maine Bureau of Insurance website. Maine drivers can find out industry alerts, report car insurance fraud, and discover disciplinary actions.

Buy online or local, you save

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, policy non-renewal, not issuing a premium refund or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new car insurance company is actually quite simple.

Affordable car insurance is definitely available from both online companies as well as from independent agents in Gorham, and you should be comparing both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

Throughout this article, we presented quite a bit of information on how to get a better price on car insurance. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with a small local company.