Finding more affordable Eliot car insurance can be very difficult for drivers who are new to buying insurance online. With a ridiculous number of online companies available, it can easily become a lot of work to find cheaper rates in Maine.
Effectively comparing car insurance prices can take hours if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in Eliot, or you could use online quoting to get rate comparisons in just a few minutes.
Many popular insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each participating company can give them a price based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for.
To submit your quote information now, click here to open in new window.
The one downside to doing it this way is buyers cannot specifically choose which insurance companies to get quotes from. If you prefer to choose from a list of companies to request quotes from, we put together a list of low cost car insurance companies in Maine. View list of Maine insurance companies.
It’s your choice how you get your quotes, but make sure you use apples-to-apples coverage data for each price quote. If each company quotes higher or lower deductibles it will be next to impossible to determine the lowest rate in Eliot.
Car insurance quotes and discounts
Car insurance companies don’t list all possible discounts in a way that’s easy to find, so we researched some of the best known as well as some of the hidden credits available to you.
- Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10 to 15 percent or more.
- ABS Braking Discount – Vehicles with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
- Telematics Discount – Insureds who allow data collection to study driving manner by using a telematic data system like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
- Save with More Vehicles Insured – Buying insurance for several vehicles with one company may reduce the rate for each vehicle.
- No Claim Discounts – Drivers with accident-free driving histories get the best car insurance rates in comparison to drivers with a long claim history.
- Eliot Homeowners Pay Less – Being a homeowner may earn you a small savings because it is proof that your finances are in order.
- Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your .
- Student Driver Training – Teen drivers should complete a driver education course in school.
- Active Service Discounts – Being deployed in the military could qualify you for better car insurance rates.
Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.
Auto insurance companies that may offer quotes with these discounts are:
Before buying, ask all companies you are considering the best way to save money. Some discounts may not apply to policyholders in your state. If you would like to see a list of providers who offer cheap car insurance quotes in Maine, click here to view.
Compare rates but still have a local Eliot insurance agency
Many drivers would rather talk to a local agent and that can be a great decision Insurance agents are highly skilled in risk management and help file insurance claims. One of the benefits of comparing car insurance online is that you can find the lowest rates but still work with a licensed agent. Buying from local insurance agents is especially important in Eliot.
For easy comparison, once you complete this form (opens in new window), the quote information gets sent to agents in your area that can provide for your insurance coverage. You don’t have to find an agent on your own due to the fact that quote results will go instantly to you. If you want to get a rate quote for a specific company, you just need to jump over to their website and fill out the quote form the provide.
Shown below is a list of car insurance companies in Eliot that are able to give price quote information.
- Ford Insurance Inc – 2 Dow Hwy, Eliot, ME 03903 – (207) 439-2500
- Ford Insurance Inc – Route 236, Eliot, ME 03903 – (207) 748-0028
For a comprehensive directory of Eliot insurance agents, see this complete selection of Eliot car insurance agencies.
Finding the right insurer should include more criteria than just a cheap quote. The following questions are important to ask.
- Can glass claims be handled at your home?
- Do they see any coverage gaps in your plan?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they get extra compensation for selling add-on coverages?
- How long has their agency been open in Eliot?
- How is replacement cost determined on your vehicle?
If you receive positive feedback to these questions as well as a affordable price, you have narrowed it down to an insurer that meets the requirements to service your policy. But remember, you are able to terminate coverage at any time so never feel that you are obligated to a specific company for any length of time.
You may need specialized car insurance coverage
When choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.
- When do I need to add a new car to my policy?
- Are split liability limits better than a combined single limit?
- What are Maine no-fault laws?
- Is my vehicle covered for smoke damage?
- Are my friends covered when driving my vehicle?
- Do I need to file an SR-22 for a DUI in Maine?
- Will I lose any money if I cancel my policy before it expires?
- Can I afford to buy a different vehicle if my vehicle is totaled?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
Car insurance ads bend the truth
Consumers can’t ignore all the ads for cheaper car insurance from the likes of Allstate, Geico and Progressive. All the companies tend to make the same promise of big savings if you switch your policy.
How is it plausible that every one can offer you a better deal? Here is how they do it.
Insurance providers look for specific characteristics for a prospective insured that earns them the highest profit. A good example of a profitable risk profile might have to be between the ages of 30 and 45, has few claims, and has a short commute. A customer that fits those parameters will get very good Eliot rates and will probably save some money.
Insureds who don’t meet this ideal profile may be required to pay higher premium rates which usually ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can confidently make those claims.
Because of the profiling, you should compare quotes as often as possible. Because you never know which car insurance company will have the best rates at this point in time.
Auto insurance 101
Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your vehicle.
Since a lot of drivers only purchase the least amount of liability that is required (50/100/25 in Maine), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, X-ray expenses, chiropractic care, doctor visits and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Comprehensive coverage
This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, a broken windshield, hitting a bird and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Auto collision coverage
This coverage covers damage to your vehicle resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.
Liability coverages
This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims such as loss of income, emergency aid, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Maine requires minimum liability limits of 50,000/100,000/25,000 but you should consider buying more coverage.
Final considerations
We just presented a lot of information how to shop for car insurance online. The key thing to remember is the more you , the better your chances of lowering your auto insurance rates. Consumers may even find the lowest rates come from a lesser-known regional company.
People switch companies for any number of reasons including high prices, unfair underwriting practices, extreme rates for teen drivers or policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.
When you , it’s not a good idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best price, but don’t skip important coverages to save money.
Much more information about car insurance in Maine can be found on the website for the Maine Bureau of Insurance located here. Maine drivers can read enforcement actions against agents and companies, download brochures, get help finding coverage, and view a list of available companies.