Who Has the Cheapest Auto Insurance Quotes for Drivers with a Bad Driving Record in Maine?

The words “low-cost” and “auto insurance” really don’t belong together, especially when looking for the best car insurance for drivers with a bad driving record. Because it’s not cheap, let’s take a look at some things that determine car insurance prices, and see how we can help you lower the price of the next policy you buy.

We all like different vehicles, and the type of vehicle you are trying to insure is one of the largest factors when shopping around for affordable insurance for drivers with a bad driving record. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost less to insure than high performance models.

The tables below showcases auto insurance prices for a number of the most budget-friendly vehicles to buy insurance for.

Data assumes single female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can alter prices substantially.

Above prices assume single female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific garaging location which can decrease or increase rates substantially.

Data variables include single female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates greatly.

For bad drivers, one of the more important components that is used by auto insurance companies to determine the amount you pay for auto insurance is where you normally keep your vehicle in Maine. Cities with more crime and/or more people like Lewiston, Auburn, and Ellsworth tend to pay slightly more, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.

The illustration below shows the most expensive places in Maine for drivers with a bad driving record to buy an auto insurance policy in.

Price information shown is estimated as the specific Maine residence address can change premiums significantly.

Shopping around for budget car insurance is tough enough, and finding out which companies offer the most affordable auto insurance rates for drivers with a bad driving record will take even more diligence. Rates will most likely be much more expensive than the average rate in Maine because of the additional risk that comes with offering coverage for bad drivers, but competitively-priced insurance may be available if you find the right company. Each company has their own formula to set policy rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Maine.

It’s important to understand that Maine auto insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. This price fluctuation is why consumers need to take the time to compare many different companies to find the most affordable insurance quotes for drivers with a bad driving record. Auto insurance prices are impacted by many things and can increase or decrease at any time, so the best price the last time you shopped your coverage around may now be one of the higher cost companies.

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Travelers may have some of the cheapest car insurance rates in Maine at around $606 each year. USAA, Patriot, The Hartford, and Countryway Insurance would also be considered some of the cheapest Maine auto insurance companies.

In the rate table above, if you currently have coverage with Patriot and switched to Travelers, you might see a yearly price reduction of in the vicinity of $104. Insureds with The Hartford may save as much as $114 a year, and Countryway Insurance insureds might reduce prices by as much as $114 a year.

Be aware that those policy rates are averages across all ages of drivers and types of vehicles and and are not figured with a rate surcharge for drivers with a bad driving record. So the auto insurance company that is best suited for you may not even be in the chart above. That helps illustrate why you need to get car insurance quotes using your own driver and vehicle profiles.

Get discount Maine car insurance rates

Insurance companies that offer the cheapest auto insurance for drivers with a bad driving record in Maine may also provide rate discounts that could potentially reduce rates by 40% or more if you are eligible. A few of the larger companies and the discounts they provide can be found below.

The diagram below shows the comparison of annual premium costs with and without discounts applied to the premium. The prices are based on a female driver, one accident and three traffic tickets, Maine state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, continuous coverage, homeowner, vehicle safety, paid-in-full, and marriage discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for drivers with a bad driving record is 13% or $229.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3545,2555],[‘Age 30’, 2861,2069],[‘Age 40’, 2749,1987],[‘Age 50’, 2571,1859],[‘Age 60’, 2525,1825],[‘Age 70’, 2727,1965]]);var options = {title: ‘Insurance Premium Comparison for Drivers with a Bad Driving Record’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Violations and accidents raise rates

The obvious way to maintain the cheapest auto insurance for drivers with a bad driving record in Maine is to be an attentive driver and maintain a clean driving record. The illustration below demonstrates how speeding tickets and accidents can influence insurance rates for each different age category. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1423,1545,2645],[‘Age 30’, 749,871,1971],[‘Age 40’, 725,849,1949],[‘Age 50’, 665,791,1889],[‘Age 60’, 655,777,1877],[‘Age 70’, 759,883,1981]]);var options = {title: ‘Impact of Tickets and Claims on Maine Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maine’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of a car insurance policy per year with no violations or accidents is $829. Receive one speeding ticket and the average cost swells to $953, an increase of $123 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for drivers with a bad driving record goes up to an average of $2,052. That’s an increase of $1,223, or $102 per month, just for not driving responsibly!

Find the cheapest auto insurance for drivers with a bad driving record in Maine

It is possible to find better rates, and here are many penny-pinching solutions that can help you quote more affordable car insurance.

• Full coverage may not be needed on older vehicles
• Improve your credit
• Bundle home or renters insurance to earn a discount on car insurance
• The safer your car, the less it costs to insure
• Drive attentively and avoid accidents
• Shop around for cheaper rates regularly

That final tip is especially significant, as we noted in this write-up. Prices charged by companies in Maine change constantly, so don’t be afraid to change to a new company if you find a cheaper price.

We understand brand loyalty, but is isn’t recommended if your bullheadedness ends up costing you money that could be spent on other things. Take a few minutes and shop around and find cheaper auto insurance for drivers with a bad driving record.