Is Your South Portland Auto Insurance Too High? Save with These Tips

Have you fallen victim to an overpriced auto insurance policy? Trust us, there are a lot of people in South Portland just like you who feel imprisoned by their auto insurance policy.

Drivers have multiple auto insurance companies to pick from, and although it’s a good thing to be able to choose, it makes it harder to find a good deal.

The purpose of this post is to help educate you on how to get online quotes. If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Nevertheless, Maine vehicle owners must comprehend the way companies price online insurance.

How to Get Cheap Auto Insurance in South Portland, ME

Most companies such as 21st Century, Allstate and State Farm provide prices for coverage on the web. The process is fairly simple as you just enter your required coverages as detailed in the form. After the form is submitted, their system sends out for reports for credit and driving violations and returns a price quote based on these and other factors. Being able to quote online streamlines rate comparisons, but the process of having to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it is imperative to get many rate quotes in order to get better prices.

The smarter way to find lower prices uses one simple form to obtain quotes from more than one company. It saves time, eliminates repetitive work, and makes price shopping online much simpler. After sending your information, your coverage is rated and you can choose any one of the quotes that you receive.

If you find a better price you can click and sign and buy the policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and fill out one form to compare multiple rates now, click here and submit the form. If you have coverage now, it’s recommended you enter the limits and deductibles exactly as shown on your declarations page. This makes sure you will have a fair comparison based on the exact same insurance coverage.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Most are applied at the time of purchase, but some must be requested specifically in order for you to get them.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
  • Drive Less and Save – Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Taking part in a defensive driving course could save 5% or more if your company offers it.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

For a list of insurers offering auto insurance discounts in South Portland, click here to view.

Much more information about auto insurance in Maine can be read on the website for the Maine Bureau of Insurance through this link. Maine consumers can report car insurance fraud, file complaints about a company, read enforcement actions against agents and companies, and find disaster information.