Auto Insurance for Kennebunk, Sanford, Wells, ME & Beyond
As a responsible driver, it’s your duty to make sure you have enough insurance coverage to pay for any accidents you might cause on the road – and as a savvy consumer, you know that it simply makes sense to have auto insurance to cover any damage to your vehicle that might happen for reasons other than an accident.
You are responsible, by law and by common sense, to have auto insurance. You need the best plan for yourself and your vehicle. There are so many options out there, it's hard to know where to start. Luckily, the insurance agents at Peoples Insurance – Ogunquit are here to help those in Kennebunk, Sanford, Wells, ME, and beyond. We work with many nationally recognized carriers of auto insurance. We can help you learn about your options, lower your rates, and essentially, find the insurance coverage that’s right for you!
Contact our local office today to discuss your options and request an auto insurance quote!
What Can Influence Your Auto Insurance Rates?
We all know that we need auto insurance, but nobody wants to spend too much on it. That’s why it pays to understand the different types of factors that can influence your rates, such as:
- Deductible: This is the amount you are required to pay before insurance coverage kicks in. The higher the deductible, the lower your premiums will be.
- Claims:
Insurance companies charge safe drivers less and unsafe drivers more. The fewer claims you have, the lower your premiums will be.
- Gender: Insurance company statistics show that men tend to be riskier drivers. Because of this, they will charge men higher premiums (on average).
- Vehicle: The age, condition, safety features, and other properties your vehicle has will affect how much it costs to insure the vehicle. Generally, the more expensive the vehicle, the more expensive the coverage.
- Safety Devices: If your vehicle is outfitted with advanced safety devices and features, you will likely be able to save on your insurance.
- Location:
Auto insurance rates vary around the country. States and locales with higher rates of crime or more dangerous drivers are likely to pay more for insurance.
- Age: Younger, less experienced drivers tend to be riskier, so they will often pay more for insurance.
- Payment Schedule:
Auto insurance companies will often offer discounts to drivers who pay for their insurance policy upfront rather than month-to-month.
- Multi-Policy Discounts: Bundle your home insurance, life insurance, or other coverage needs with your auto insurer, and you might be eligible for a discount.
With some savvy shopping, you can get the coverage you need at an even more affordable price. And of course, we are always here to explain your options and help you qualify for as many discounts as possible. Whether you are in Kennebunk or Wells, ME, we are here for you.
Your Auto Insurance Coverage Options
Your auto insurance policy has many dimensions. Depending on your needs and lifestyle, your coverage can include some or all of the following:
- Collision: This type of coverage reimburses you after your car has been damaged. It will either cover the repairs or, if the car is totaled, pay for the value of the vehicle.
- Comprehensive: This type of coverage protects your vehicle from non-accident related damage, such as weather/natural disasters, glass damage, vandalism and theft, and animal damage.
- Liability for Property Damage & Personal Injury: If your vehicle causes damage to another vehicle and/or injury to another person, this coverage will pay to repair/replace the property, treat the person’s injuries, etc.
- Medical: This covers the driver and passengers of your vehicle in the event of an accident. If anyone in the vehicle is injured, this coverage will pay for hospital and doctor’s visits, X-rays, and even funeral expenses.
- Rental Car Coverage: Should you be unable to drive your vehicle (it’s in the shop after an accident; it’s been stolen), this coverage will pay for a rental car to help you get around. Some policies will also pay to cover accidents and damage to rental cars you are driving for other reasons, e.g., a family vacation.
- Roadside Assistance: This covers some of life’s little hiccups, such as a flat tire, lockout, empty gas tank, and more.
- Uninsured: Should your vehicle be damaged by a motorist with limited or no insurance, this type of coverage can pay for the damage.
Let us help you create a policy that offers the coverage options you need at the right price. Get a quote from us today! If you are interested in making a payment or a claim, please call us or visit the website of your insurance company. We serve the Kennebunk, Sanford, and Wells, ME areas.
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