Windham Maine Auto Insurance Buying Tips You Aren’t Supposed to Know

Finding affordable Windham auto insurance can seem to be nearly impossible for consumers not familiar with shopping for insurance online. Consumers have so many options that it can be a ton of work to find lower rates in Windham.

You should take the time to compare prices occasionally because insurance rates fluctuate regularly. Just because you found the best rates two years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re about to learn the easiest way to reduce your cost while improving coverage.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t always advertise all available discounts very well, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Homeowners Discount – Owning a home in Windham can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus can receive lower rates.

Drivers should understand that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of providers with the best auto insurance discounts in Windham, click this link.

How to Get Cheap Auto Insurance in Windham, Maine

The are a couple different ways of comparing price quotes from different in Windham, Maineinsurance companies. The best method to find the lowest rates is to use the internet to compare rates. This can be accomplished in several different ways.

  1. The most efficient way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate quotes for each company you want a rate for. One form gets you price quotes from several companies. It’s the fastest way to compare.
  2. A different way to compare rate quotes consists of going to the website for each individual company and complete a new quote form. For instance, we’ll assume you want to compare rates from Progressive, 21st Century and American Family. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in Windham, click here.

It’s up to you which method you use, but make sure you use exactly the same coverages for each comparison quote. If each company quotes different values for each quote then you won’t be able to determine which rate is truly the best in Windham. Quoting even small variations in coverages can make a big difference in price. And when price shopping your coverage, getting more free quotes helps you find the best price.

Situations that might require an agent

When buying adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Do I need motorclub coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Is business equipment covered while in my vehicle?
  • Which companies will insure high-risk drivers?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Final thoughts

Throughout this article, we presented a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the lowest priced auto insurance comes from a smaller regional carrier.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, denial of a claim, being labeled a high risk driver and even delays in paying claims. Whatever your reason, choosing a new insurance company can be pretty painless.

Affordable auto insurance can be purchased on the web and with local Windham insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.