How to Know You're Spending Too Much for Auto Insurance in Strafford

Overpriced auto insurance can take a big chunk out of your bank account and put a big crunch on your finances. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. Companies like GEICO and Progressive constantly blast consumers with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

These discounts can lower your rates

Car insurance companies don't list every discount in a way that's easy to find, so here is a list both the well known and the more hidden auto insurance savings. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Government Employees - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Distant Student - Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Senior Citizens - Older drivers may be able to get better auto insurance rates.
  • No Accidents - Drivers who don't have accidents can earn big discounts when compared to frequent claim filers.
  • Paperwork-free - Certain companies may give you up to $50 just for signing your application digitally online.

Keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it's possible to get free car insurance, it just doesn't work that way.

For a list of insurance companies who offer auto insurance discounts in Strafford, follow this link.

How to Buy Strafford Auto Insurance Online

Most major insurance companies allow you to get coverage prices online. This process is quite simple as you simply type in your coverage information as detailed in the form. Once entered, the system will obtain your credit score and driving record and provides a quote. Online quotes helps simplify price comparisons, but the work required to visit each company's website and repetitively complete many quote forms can be a bit repetitive. But it's very important to compare as many rates as possible in order to find better auto insurance pricing.

A more efficient way to locate the lowest prices uses one form to obtain quotes from more than one company. The form is fast, reduces the work, and makes online quotes much easier. After sending your information, it is rated and you can select your choice of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and submit the form. If you have a policy now, it's recommended you enter deductibles and limits as shown on your current policy. This helps ensure you will have comparison quotes based on identical coverages.

Different people need different coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Strafford?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?
  • Am I covered when pulling a rental trailer?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

And the best car insurance company is...

As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Affordable auto insurance can be bought both online and also from your neighborhood Strafford agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and these smaller companies work with independent agents.