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800-244-9046

Discounts

Discounts
There are several ways to help reduce your auto insurance premium such as:

  1. Account discount for having your home and auto insurance with the same carrier,
  2. Multi vehicle credit,
  3. Discounts for increasing deductibles,
  4. Good student credit,
  5. Drivers training credit,
  6. Preferred driver credit, and more. We want to make sure you are receiving all the discounts you are entitled to.

Current Liability Limits
Nearly all insurance carriers want to know what your current liability limits are before you move your vehicle coverage. Insurance carriers prefer higher limits of liability than the state minimum. Carrying higher limits of liability is evidence of responsibility and insurance companies want to insure responsible drivers.

Advanced Quote
The advanced quote discount is yet another coverage virtually unknown outside the industry. Insurance carriers reward drivers with a discount for responsibly shopping for insurance ahead of time. You need to get your quote at least eight days prior to switching auto insurance to the new carrier.

Anti-Theft Device
Notify GHM when you add an anti-theft device. Documentation may be required to qualify for the discount.

Low Mileage
A low annual mileage discount is often available, though less commonly than it once was. If you are retired or have an extra vehicle driven minimally, you may benefit from this discount.

What else can you do to save?

Driver Training 
Drivers under 21 can reduce insurance premiums by completing an approved driver-training program.

Good Student 
This discount applies to students who meet one of the following academic criteria:

  • High school students with at least "B" average
  • College students with a 3.0 (out of 4.0) grade point average or higher
  • Dean's List or Honor Roll students

Submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

Anti-Lock Brakes 
Vehicles equipped with factory-installed four wheel anti-lock braking systems (ABS) are eligible for a discount.

Claims Free 
Current policyholders are rewarded with additional discounts if they continue their coverage without any at-fault accidents and moving violations on their record.

Passive Restraint
Factory-installed safety features like automatic seatbelts and airbags help to reduce the risk of injury in an accident as well we keeping your premiums down.

T: 800-244-9046
F: 866-274-0005
51 Main Street
Waterville, Maine 04901
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34 Center Street
Auburn, Maine 04210
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Need to Make a Claim?

Acadia Insurance
800-244-9446

Allstate
Report Online
800-255-7828

Dairyland Insurance
Auto: 800-225-1390
Cycle: 800-325-9559

Foremost Insurance Group
Report Online
800-527-3907

The Hanover Insurance Group
Report Online
800-628-0250

The Hartford
Report Online
800-243-5860
Business Insurance: 800-327-3636

Jewelers Mutual Insurance Company
Report Online
800-558-6411

MEMIC
Report Online
800-636-4292

MMG Insurance
888-343-0533 (M-F, 8:00-4:30)
888-869-8700 (after hours)

Patriot Insurance Company
Report Online
866-460-1776

Patrons Insurance
800-542-7032

Peerless Insurance
800-522-7152

Philadelphia Insurance Companies
800-873-4552

Progressive
Report Online
800-776-4737

Travelers
Report Online (Personal)
Personal Insurance: 800-252-4633
Report Online (Business)
Business Insurance: 800-832-7839

Union Mutual of Vermont
Report to GHM: 207-873-5101

Want to Pay a Bill?

Acadia Insurance 
Call GHM: 800-244-9046

Allstate
Pay Online
800-901-1732

Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952

Foremost Insurance Group
Pay Online
800-532-4221

The Hanover Insurance Group
Pay Online
800-573-1187

The Hartford
Pay Online
800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
Pay Online
800-660-1306

MMG Insurance
Pay Online
888-664-2455

Patriot Insurance Company
Personal: Pay Online
Business: Pay Online

Patrons Insurance
Pay Online
866-611-7887

Peerless Insurance
Pay Online
800-228-7830

Philadelphia Insurance Companies
Pay Online
877-438-7459

Progressive
Pay Online
800-776-4737

Travelers
Pay Online
800-842-5075

Union Mutual of Vermont
Pay Online

 

Frequently Requested Forms

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