Shopping for car insurance takes a lot of time. Call one of our agents and let them do the shopping for you. We are an independent agency, which means we represent a number of insurance companies. Our agents will find the best rates and coverage to suit your individual or family needs.

Car Insurance...Getting The Most For Your Money

Meet the FAP Team

CREDIT SCORING - Consumer Information

MORE.. Insurance Scoring Info

There is a very good chance that you may be paying too much for your personal automobile insurance............

Maine Auto Insurance Quote

Click on the car for a free Maine Auto Insurance quote

This is particularly true if you are unaware of the numerous available discounts. The following are discounts to ask your agent about. Some may not be available in all states and from all insurers, but it doesn't hurt to ask. These discounts may
significantly affect your insurance premium.

"Defensive Driving Discount" This discount can save you 10 percent on most of the major coverages under your auto policy, such as liability, medical payments, and collision coverage. Defensive driving courses can cost as little as $20 and last as few as 5 or 6 hours, and the discount normally applies for 3 years.
"Good Student Discount" Statistics show that good students tend to be more reliable and mature than students with marginal grades, leading to better driving decisions. Therefore, many states allow a 5 to 10 percent discount if your student driver makes good grades, usually an overall "A" or "B" average in high school or college. If your child has to pay his or her own automobile insurance, this can be another motivator for him or her to make good grades.
"Home/Car Discount" Many insurers offer discounts of 10 percent or more if they provide both your homeowners and personal automobile insurance. This can lower your costs on both policies.
"Auto Safety Features" Most insurers recognize that owners with cars containing safety features may have fewer accidents and reduced injuries. Many insurers encourage drivers to purchase cars with antilock brakes by giving small discounts for these safety features. Other insurers give discounts for vehicles with airbags and daytime running lights.

How do I evaluate my situation?

A good first step is to gather your insurance records and any other car-related information. Next, determine if circumstances have changed since you last dealt with your coverage. Consider your cars or trucks, how they're now used, who are the drivers and your driving experience. Once this information is handy it's time to call your agent. What should you discuss? Well, here are some areas to consider:

If you have your home and auto insurance with the same company, are you getting a discount?
Does my coverage take full advantage of the discounts offered by my company?
I have more than one car; am I getting a credit?
How much premium can I save by changing deductibles? Determine the dollar amount of any loss that you can comfortably handle as an out-of-pocket expense.
Do my cars really need full coverage insurance? On an older car (over six years old) you may want to drop collision and/or comprehensive coverage and carry liability coverage only. Ask your agent what makes sense. IMPORTANT: you must maintain these coverages if you're still paying off a loan on your car or truck.
Do lifestyle choices such as drinking or smoking affect my premium?
Does it matter that my daughter made the Dean's List? Don't think this information is bragging since your company may give discounts to young drivers with good grades.
Did you know that my car has anti-lock brakes; airbag; theft alarm system? (Some companies provide discounts for safety and anti-theft features)
Did you know that my son took Driver's Education?
Does the company have accurate information on how often and how far I drive?
Am I with a standard carrier or do I qualify for any preferred program?
Is my vehicle charged an additional premium because of its type or performance?
Do I get a credit for my driving/claims history or for how long I've been covered? If applicable, find out if your company rewards a loss-free history or longevity.

EMAIL US

Communicating with your agent

The best way to discuss your insurance needs is to be open and honest with your agent. Giving your agent accurate information puts him in the best position to make certain that you get the best available premium. Carefully answer your agent's questions and provide complete details about any tickets, accidents, or violations in your driving history. This approach also applies to information about who drives your cars and how the cars are used. Finally, your agent is a terrific resource for handling errors about your account or which may be shown in your driver records. . . so use their expertise.

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus