Cheapest Auto Insurance for Infrequent Drivers in Maine

Finding dependable, low-priced auto insurance is hard enough, and finding out which companies quote the cheapest auto insurance rates for infrequent drivers will involve a bit more work.

Each insurance company has their own unique process for determining rates, so let’s take a look at the most competitive auto insurance companies in Maine. We do need to point out that Maine auto insurance rates are influenced by many factors that can increase the price of coverage. That is why consumers need to compare as many rates as possible when trying to find the most economical auto insurance rates for infrequent drivers. Car insurance prices are made up of many things and can change without notice, so the best price six months ago may now cost much more than other companies.

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Travelers may have some of the most affordable car insurance rates in Maine at around $606 annually. USAA, Vermont Mutual, Countryway Insurance, and The Hartford would also be considered some of the cheapest Maine auto insurance companies.

As the rates illustrate above, if you are a customer of Vermont Mutual and switched to Travelers, you may realize an annual savings of approxmiately $94. Policyholders with Countryway Insurance might save as much as $107 a year, and The Hartford customers might lower prices by up to $122 a year.

To find the cheapest car insurance for infrequent drivers in Maine, click here to start your free quote or visit several of the following companies.

These premiums are averages for all ages of drivers and types of vehicles and do not factor in a price discount for infrequent drivers. So the car insurance company that is best suited for you may not even be shown in the above list. That emphasizes why you need to get quotes using your own personal information and vehicle type.

The vehicle that needs insurance is a large factor when comparison shopping for the cheapest car insurance for infrequent drivers in Maine. Vehicles with more horsepower, poor safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models.

The list below illustrates auto insurance prices for a number of the most affordable vehicles to buy insurance for.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in garaging location in Maine which can raise or lower prices significantly.

Based upon the table data, you can presume that cars like the Ford Escape, Ford F-150, and Kia Forte are the cheaper vehicles to insure for low mileage drivers.

For low mileage drivers, one of the more important considerations that is used to help calculate a rate quote is your zip code in Maine. Larger areas like Ellsworth, Lewiston, and Brewer tend to have more expensive car insurance rates, whereas more rural areas have the gratification of the cheapest car insurance for infrequent drivers in Maine.

The table below illustrates the most costly cities in Maine for infrequent drivers to purchase a policy in.

Prices are comparative as specific Maine zip code can revise premiums substantially.

Should you buy full coverage?

Finding the cheapest car insurance for infrequent drivers in Maine is important to the majority of vehicle owners, and a great way to reduce the cost of insurance is to buy liability only. The chart below shows the difference between auto insurance rates with full phyical damage coverage and with liability coverage only. The rate quotes are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 1461,627],[‘Age 30’, 779,351],[‘Age 40’, 755,325],[‘Age 50’, 695,305],[‘Age 60’, 673,301],[‘Age 70’, 835,397]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maine’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for all age groups, full coverage on your policy costs $866 per year more than carrying just liability coverage. That amount may make you wonder if you should buy full coverage. There is no definitive formula of when to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

Get discount Maine auto insurance rates

Insurers that offer the cheapest car insurance for infrequent drivers in Maine may also provide discounts that could potentially reduce rates by as much as 35% if you qualify. A few popular companies and the discounts they provide are shown below.

The information below compares annual premium costs with and without discounts being applied to the rates. The data is based on a female driver, no claims, a clean driving record, Maine state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, multiple policy, defensive driving course, accident-free, marriage, and claim-free discounts applied. When discounts are factored in, the the average yearly reduction on auto insurance for infrequent drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1827,1315],[‘Age 30’, 1239,901],[‘Age 40’, 1161,841],[‘Age 50’, 1015,737],[‘Age 60’, 985,713],[‘Age 70’, 1153,833]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Infrequent Drivers’,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);}

Progressive, Allstate, Geico, or State Farm: Who is cheapest?

When shopping around for car insurance for low mileage drivers, the top insurers to get price quotes from are Progressive, Allstate, Geico, and State Farm. All of them offer physical damage and liability coverage, but each has slightly different coverages and options that policyholders can choose from. The data below ranks some of the different options and features that policyholders can buy.

Who has the cheapest insurance quotes for low mileage drivers?

There are many different ways to compare auto insurance quotes in Maine, but the most common methods are using an independent or non-exclusive agent, a captive (or exclusive) agent such as Allstate or Liberty Mutual, or direct either online or via phone.

They all follow the same basic process, but they differ slightly in how they provide price quotes.

Independent agencies work with multiple companies and can compare rates with each one. They are appointed with more than one company and can get prices from more than one company, which can give you a better chance of saving money. If you are not satisfied with one company, they simply move the coverage in-house and you can keep the same agent.

An exclusive ageny is only able to quote rates with one company, two of the more popular are State Farm and Allstate agents. These agents usually cannot provide rates from more than one company, which necessitates shopping around.

Drivers who opt to buy auto insurance direct forego local agents and instead buy from a direct company like Geico or Progressive. This auto insurance option is good for drivers who have fewer assets and have some degree of understanding of how their policy works.

So which way is best to find the cheapest car insurance for infrequent drivers in Maine? It would be obvious to point out buying direct saves the most money because there is no agent involved, but unfortunately, that is not the case. It could also be said an independent agent saves the most money since they have more companies to choose from, but that assumption is also not accurate. For some people, exclusive agents have extremely competitive rates that cannot be met by either independent or direct companies.

Due to the fact that auto insurance rates vary so much, really the best method to buy the cheapest coverage is to get quotes and compare. Money-saving experts recommend you get prices from all three to give yourself the best selection. To see some of the cheapest online companies available, click here to view.