How to Find the Cheapest Bangor Car Insurance

Are you intimidated by the wide range of car insurance choices in Bangor? You're not alone. Drivers have so many choices that it can turn into a lot of work to find the perfect company for you.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. If you had the best rates last year you may be paying too much now. There is a lot of bad advice regarding car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.

Comprehensive Bangor Car Insurance Comparison

Getting better car insurance pricing doesn't have to be difficult. You just have to take a couple of minutes comparing price quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form saves time by eliminating separate forms for each company. Filling out one form gets you coverage quotes from several companies. It's the fastest way to compare.

A slightly less efficient method to get quotes online consists of going to the website for each individual company to complete a price quote. For instance, let's say you want to compare rates from , and . You would have to go to every website to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Bangor, click here.

It's up to you how you get prices quotes, just ensure you are comparing exactly the same coverages with each company. If your comparisons have different limits and deductibles on each one you will not be able to make an equal comparison in Bangor.

Bangor car insurance quote

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that can help you get better car insurance rates.

The list below includes some of the items car insurance companies consider when setting your rates.

  • Bundling policies can get discounts - The majority of car insurance companies give discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it's in your best interest to shop around to ensure the best deal. Consumers may find a better deal by splitting coverages up.
  • Liability insurance protects assets - The liability section of your policy provides coverage in the event that you are found liable for causing damage or personal injury in an accident. It will provide you with a defense in court up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Rates may be higher depending on your occupation - Occupations like real estate brokers, executives and dentists tend to have the highest average rates in part from high stress and long work hours. Other professions such as actors, historians and the unemployed receive lower rates.
  • Save money with special equipment - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Older drivers save more - Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers tend to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
  • Men fork out a little more - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that men are worse drivers. Men and women tend to get into accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like DUI and reckless driving.

Save big with these discounts

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but some may not be applied and must be asked for before you will receive the discount. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Club Memberships - Being a member of a civic or occupational organization could trigger savings on your policy.
  • No Accidents - Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Resident Student - Any of your kids living away from home attending college without a vehicle on campus may qualify for this discount.

It's important to note that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck. But any discount will reduce your overall premium however.

For a list of providers with the best car insurance discounts in Bangor, click this link.

More information can be read on the Michigan Office of Financial and Insurance Regulation website. Click here for link. Visitors are able to read consumer alerts, find out which companies have the most complaints, and read industry bulletins.

In the end, you save

As you prepare to switch companies, it's not a good idea to reduce needed coverages to save money. Too many times, someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Lower-priced car insurance is definitely available both online and also from your neighborhood Bangor agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Insureds who switch companies do it for any number of reasons including policy cancellation, questionable increases in premium, high rates after DUI convictions and unfair underwriting practices. Whatever your reason, switching car insurance companies is not as hard as you think.