Are you tired of robbing Peter to pay Paul to buy car insurance? Your situation is no different than most other car owners in Maine.
Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.
It is always a good idea to price shop coverage before your policy renews due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest rates a few years ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the best ways to find great coverage at a great price.
If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Choosing the best insurance company for you in York is quite easy. But Maine consumers must comprehend how insurance companies market insurance on the web because it can help you find the best coverage.
Companies that sell car insurance don’t always advertise all available discounts very clearly, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using.
It’s important to understand that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.
When choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
A small number of people prefer to buy from a licensed agent and that is just fine! One of the best bonuses of getting online price quotes is you can get the best rates and still have an agent to talk to.
To help locate an agent, after submitting this quick form, the quote information is instantly submitted to agents in your area who will compete for your coverage. You won’t need to even leave your home due to the fact that quote results will go directly to your email. How’s that for easy! It’s the lowest rates AND an agent nearby.
Picking an insurer needs to be determined by more than just a cheap price. These questions are important to ask:
When searching for a good York insurance agent, there are two types of agencies that you can select. Insurance agencies in York can either be independent (non-captive) or captive.
This type of agents can only write with one company such as State Farm or Allstate. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.
Listed below is a list of captive insurance agencies in York that can give you comparison quotes.
Allstate Insurance – 18 York St – York, ME 03909 – (207) 363-8604
Independent insurance agents are not employed by any specific company but rather can write business with lots of companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, we recommend you include several independent insurance agents to have the most options to choose from.
Shown below is a list of independent agents in York willing to provide comparison quotes.
Nationwide Insurance – 118 York St – York, ME 03909 – (207) 363-8902
Ellis Insurance – 196 York St – York, ME 03909 – (207) 363-7670
For a full directory of auto insurance agents in York, go to this page.
Once you have reasonable responses to your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that meets your needs to adequately provide auto insurance.
Auto insurance companies such as State Farm, Allstate and GEICO regularly use television and radio advertisements. They all seem to make the same claim of big savings if you move your coverage to them. But how can every company make almost identical claims?
All the different companies can use profiling for the type of driver that makes them money. For example, a profitable customer might be profiled as a mature driver, is a homeowner, and has great credit. A driver who meets those qualifications will get very good rates and most likely will pay quite a bit less when switching companies.
Drivers who do not match this ideal profile will be charged higher rates and this can result in business not being written. The ads say “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can state the savings. That is why it’s extremely important to get as many quotes as possible. It’s just too difficult to predict which company will give you the biggest savings.
Additional detailed information can be read at the Maine Bureau of Insurance website. Visitors are able to get help finding coverage, view agent and company licensing information, read industry bulletins, and read state legal mandates and laws.
The articles below may also help you learn more about auto insurance in York
Lower-priced auto insurance is definitely available both online in addition to many York insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide online price quotes and these smaller companies work with independent agents.
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at an affordable rate.