Buy Bath Maine Car Insurance Like a Penny-pincher

Paying for high-priced car insurance can dwindle your bank account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. With so many insurance companies to choose from, it can be impossible to pick the cheapest provider.

Cut your car insurance rates with discounts

Companies don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
• Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
• Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
• Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
• Senior Citizens – If you qualify as a senior citizen, you may receive better car insurance rates.
• College Student – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
• One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a certain period of time.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, companies wouldn’t make money that way.

To choose companies who offer car insurance discounts in Bath, follow this link.

Bath Car Insurance Prices Online

Comparing car insurance rates can take time and effort if you don’t understand the easiest way. You could waste a few hours talking to local insurance agents in Bath, or you could use the internet to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program that allows shoppers to send in one quote, and at least one company returns a competitive quote based on that data. This eliminates the need for quotation requests for each company.

To access this free quoting program, click to open in new window.

One minor caviat to doing it this way is that consumers can’t choose the companies you will receive quotes from. So if you prefer to choose specific providers to compare rates, we have assembled a list of car insurance companies in Maine. Click here for list of insurance companies in Maine.

Whichever way you use, make absolute certain that you use the exact same quote information with every price quote. If you compare mixed coverages it will be impossible to make a fair comparison in Bath.

Why some people pay less for insurance in Bath

An important part of buying insurance is that you know the factors that go into determining the price you pay for car insurance. Knowing what determines base rates helps enable you to make changes that can help you get better car insurance rates.

• Cautious drivers pay less – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even one citation can boost insurance rates twenty percent or more. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
• Lower rates come with age – Older drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Young drivers are known to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher.
• Rates may be lower depending on your job – Did you know your job can affect your rates? Careers like real estate brokers, executives and accountants tend to pay higher rates than average in part from high stress and long work days. On the flip side, occupations like actors, athletes and performers have the lowest average rates.
• Pay less after the wedding – Getting married can get you a discount on car insurance. Having a significant other translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.
• Add-on coverages can add up – There are quite a few extra bells and whistles that can waste your money on your car insurance policy. Things like personal injury protection, accident forgiveness and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they’re wasting money remove them from your policy.

Can you really save that much by switching?

Consumers in Maine get pounded daily by advertisements for the lowest price auto insurance by Progressive, Allstate and GEICO. All the ads say the same thing about savings if you change to their company.

But how can every company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. A good example of a driver they prefer could possibly be between 30 and 50, a clean driving record, and drives newer vehicles. A driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for these standards will be charged higher rates and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do. That is why you should compare as many rates as you can. It’s impossible to know the company that will have the lowest rates.

Best coverage at the best price

Cheaper car insurance can be bought both online as well as from independent agents in Bath, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

We just presented many tips how you can shop for car insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

Additional detailed information can be read at the Maine Bureau of Insurance website. Consumers can learn about specific coverages, find out industry alerts, and view agent and company licensing information.