Cheap Car Insurance for Safe Drivers in Maine

Wouldn’t it be nice if we could look into our crystal ball and tell you the best company in Maine that has the best insurance prices for safe drivers? That is not the case, however, as there are a whole bunch of unknowns like how well you maintain your credit, the amount of physical damage deductibles, and if you have a coverage lapse. The content below will cover the different ways you can keep rates low and also should give you a good beginning to your quest for cheaper car insurance in Maine.

One of the many factors that control the amount you pay for auto insurance is where your residence is in Maine. Urban areas that are densely populated like Winslow, Lewiston, and Skowhegan are more likely to pay higher prices, whereas more rural areas have the gratification of cheap car insurance for safe drivers in Maine.

The table below displays the most expensive cities in Maine for safe drivers to purchase auto insurance in.

Prices are estimated as the specific garaging location can raise or lower rates substantially.

Buying cost effective insurance is tough enough, and determining which company has the cheapest car insurance rates for safe drivers will require a bit more work. Coverage rates will more than likely be somewhat cheaper than the state average, with the lower price attributed to the lower likelihood of claims that goes along with offering insurance for good drivers. Reasonable insurance should be attainable from many providers.

Each insurance company has a unique approach for establishing rates, so first let’s look at the rankings for the most affordable car insurance companies in Maine. It’s a good idea to know that Maine car insurance rates are impacted by many things that control the price of coverage. Getting older, moving across town, or having a fender bender can cause premium changes resulting in some companies being cheaper in comparison to the competition.

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USAA has some of the lowest car insurance rates in Maine at around $622 annually. Travelers, Patriot, Countryway Insurance, and Vermont Mutual also qualify as some of the lowest-priced Maine insurance companies.

As shown in the table above, if you are currently insured with Travelers and switched to USAA, you could earn savings of in the neighborhood of $2. Drivers with Patriot might save as much as $88 a year, and Countryway Insurance insureds might reduce prices by as much as $91 a year.

To find cheap car insurance for safe drivers in Maine, click here to start a quote or click several companies below for low rates.

It’s important to note that these rates are averages for all insureds and vehicles and and are not calculated with a rate discount for safe drivers. So the car insurance company that can offer you the lowest price may not even be in the above rate chart. That emphasizes why you need to get rate quotes from many companies using your own personal information and vehicle type.

Full coverage rates compared to liability only

Finding cheap car insurance for safe drivers in Maine is probably important to most people, and a great way to buy cheaper insurance is to only buy liability coverage. The information below illustrates the difference between premium costs with and without physical damage coverage. The premium estimates are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no additional discounts are factored in.

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If all age groups are averaged, physical damage insurance costs $1,576 per year more than just buying liability only. That raises the question if it’s a good idea to buy full coverage. There is no written rule of when to phase out comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

Discount Maine auto insurance rates

Insurance companies that offer cheap car insurance for safe drivers in Maine may also provide premium discounts that could reduce prices by as much as 40% or more if you are eligible to receive them. Companies and their possible discounts include:

• State Farm offers discounts for Steer Clear safe driver discount, passive restraint, anti-theft, driver’s education, and multiple policy.
• GEICO may have discounts that include five-year accident-free, federal employee, daytime running lights, military active duty, emergency military deployment, air bags, and anti-theft.
• Liberty Mutual may offer discounts for teen driver discount, safety features, newly married, new vehicle discount, and new graduate.
• The Hartford offers discounts including good student, driver training, anti-theft, defensive driver, bundle, and vehicle fuel type.
• MetLife policyholders can earn discounts including good student, defensive driver, good driver, accident-free, claim-free, multi-policy
• Progressive includes discounts for continuous coverage, online quote discount, homeowner, online signing, and multi-policy.

The chart below visualizes the comparison of car insurance rates with and without discounts. The data assumes a female driver, no claims, a clean driving record, Maine state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, passive restraint, marriage, multiple vehicle, homeowner, and safe-driver discounts applied. When drivers take advantage of discounts, the the average amount saved on car insurance for safe drivers is 28% or $340.

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Best cheap insurance quotes for good drivers

Consumers have many ways to find lower-cost car insurance in Maine, but the most common methods are from an independent or non-exclusive agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or direct online or over the phone from a company like Progressive or Geico.

All three ways can provide car insurance quotes, but buyers should know the differences in how they give price quotes.

Independent insurance agencies write business for many companies and can get policy pricing from each one. They have the ability to give you a larger rate selection, which may provide you with better odds of saving money. If you are not satisfied with one company, the business is moved internally and you don’t have to do anything.

An exclusive ageny is usually just provide rates from a single insurance company, two popular examples being a Liberty Mutual or State Farm agent. They generally cannot provide rate quotes from other companies, so you will not be able to compare their rates to other companies.

The final way is buying direct, which means you do not use a local agent and instead shop direct either online or via phone. Shopping for car insurance direct is good for consumers who have limited assets and have knowledge of what is covered and what is not.

So out of those three methods, which one works best for finding cheap car insurance for safe drivers in Maine? We’d like to tell you buying direct saves money since that eliminates agent commissions, but that generally is not the case. It could also be said going through an independent agent guarantees the lowest rates because they can quote many companies, but that idea is not necessarily true either. In some circumstances, exclusive agencies have really good rates that cannot be met by either independent or direct companies.

Since car insurance rates vary so much, the best way to ensure you are not overpaying is to get quotes and compare. It’s recommended that drivers get quotes from all three in order to have the best selection to choose from. For a list of companies with cheap rates in Maine, click here to view.

How to find budget-friendly car insurance for safe drivers

The list below summarizes some of the recommended thrifty suggestions that can help Maine drivers find low-cost coverage.

• Too many claims can make car insurance unaffordable
• Maintaining good credit helps earn cheaper rates
• Raise deductibles
• Bundle car and home insurance and save money
• Drop full coverage on older vehicles
• Buy a vehicle with excellent safety ratings
• Compare price quotes at least once a year

The final tip is extraordinarily critical, as was noted in this article. Auto insurance prices can be changed at any time, so don’t hesitate to buy from a different company if a lower price can be found. We understand brand loyalty, but it’s not a good idea if that dedication is costing a fortune every year. Take a couple minutes and compare rates to find cheaper insurance for safe drivers.