I can’t think of a single person who likes having to buy car insurance, especially when the cost is way too high.
Big companies like Allstate, Liberty Mutual and State Farm continually bombard you with fancy advertisements and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.
If you currently have a car insurance policy, you should be able to save some money using these techniques. Finding affordable coverage in Presque Isle is quite easy. Although Maine drivers do need to understand the way insurance companies price online insurance and apply this information to your search.
Fast and Easy Presque Isle Car Insurance Quotes
When shopping for car insurance there are multiple ways to get quotes from local in Presque Isle, Mainecar insurance companies. The quickest method to find the cheapest insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.
The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method prevents you from having to do repetitive form entry for every car insurance company. A single, simple form gets you price quotes from car insurance companies with the best prices.
Another way to analyze rates is spending the time to visit the website for every company you want to comare to complete a price quote. For example, let’s say you want to compare Auto-Owners, State Farm and American Family. You would have to go to every website and enter your information, which is why the first method is quicker.
For a handy list of car insurance company links in Presque Isle, click here.
The most time-consuming method to compare rates is to spend your day driving to and from local Presque Isle insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional guidance of a local Presque Isle agent. However, consumers can get the lowest quotes online and still use a local agent and we’ll cover that in a bit.
It doesn’t matter which method you choose, just make darn sure you compare identical coverages for each price quote. If you are comparing unequal deductibles or liability limits it will be very difficult to find the best deal in Presque Isle. Slightly different coverages may cause a big price difference. Just remember that quoting more helps you find lower pricing.
Discounts can save BIG
Auto insurance companies don’t always advertise all available discounts very well, so we took the time to find some of the best known and the more hidden ways to save on car insurance.
- Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Sign Online – Certain companies give back up to $50 just for signing your application over the internet.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
- Bundle and Save – If you insure your home and vehicles with one company you may save up to 20% off your total premium.
- Low Mileage – Keeping the miles down can earn lower rates on the low mileage vehicles.
- Distant Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
- Lower Rates for Military – Having a deployed family member can result in better rates.
- Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
- Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
- Own a Home – Being a homeowner can help you save on car insurance because owning a home is proof that your finances are in order.
Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.
For a list of insurance companies with the best car insurance discounts in Maine, follow this link.
But buying car insurance online seems impersonal
A small number of people would rather get advice from a local agent and that is OK! The biggest benefit of getting online price quotes is that you can obtain the best rates but also keep your business local.
To find an agent, once you fill out this short form, the quote information gets sent to participating agents in Presque Isle who will battle to get your business. You never need to leave your house since price quotes are sent to the email address you provide. Now that’s easy! You can find better rates AND a local agent.
Deciding on an provider should depend on more than just a low price. Some important questions to ask are:<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-107.jpg" alt="Presque Isle Maine auto insurance“/>
- Do they feel the quoted coverages are adequate?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they regularly work with personal auto policies?
- Are claim adjusters local or do you have to take your car somewhere else?
- If they are an independent agency, which companies do they recommend?
- Are they full-time agents?
The following is a list of insurers in Presque Isle that are able to give rate quotes.
State Farm Insurance – 24 North St, Presque Isle, ME 04769 – (207) 764-0324
Allstate Insurance – 56 North St, Presque Isle, ME 04769 – (207) 764-1962
Me Mutual Group Insurance Co – 44 Maysville Rd, Presque Isle, ME 04769 – (207) 764-6611
Hayden/Perry Insurance – 40 North St # 1, Presque Isle, ME 04769 – (207) 764-6161
Kofstad Agency – 26 Rice St # 2, Presque Isle, ME 04769 – (207) 764-4422
Once you have answers to your satisfaction and a good coverage price, you have narrowed it down to a company that is a good match to provide car insurance coverage.
More tips and info about car insurance can be found at the Maine Bureau of Insurance website. Maine consumers can read enforcement actions against agents and companies, learn about specific coverages, read state legal mandates and laws, and view a list of available companies.
The coverage is in the details
Knowing the specifics of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.
This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like damage from getting keyed, theft, rock chips in glass and hail damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP provide coverage for immediate expenses for funeral costs, pain medications, rehabilitation expenses and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Liability auto insurance
This can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things like medical expenses, court costs, emergency aid, legal defense fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible. Maine state law requires minimum liability limits of 50,000/100,000/25,000 but it’s recommended drivers buy more coverage.
Collision coverage pays for damage to your vehicle from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as rolling your car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Uninsured and underinsured coverage
This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.
Due to the fact that many Maine drivers have only the minimum liability required by law (50/100/25 in Maine), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
A tidy conclusion
While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
Cheap car insurance is possible from both online companies in addition to many Presque Isle insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.