How Much are Car Insurance Quotes for Good Drivers in Maine?

The words “economical” and “insurance” really shouldn’t be used in the same sentence, in particular when looking for the cheapest auto insurance for good drivers. Because it’s not cheap, let’s learn about a few of the things that have an impact on car insurance prices, and find out if you can slash the price of the next policy you buy.

One of the many things used to determine auto insurance rates is where your car is garaged in Maine. Cities with larger populations or higher claim trends like Ellsworth, Skowhegan, and Orono tend to have higher auto insurance costs, whereas areas that are not as densely populated benefit from lower coverage costs.

The illustration below illustrates the priciest cities in Maine for good drivers to purchase car insurance in.

Premium costs are comparative as vehicle location can revise premium rates considerably.

The vehicle model to be insured is a large factor when shopping for cheap insurance for good drivers in Maine. Vehicles with high performance, poor passenger safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The information below ranks insurance costs for some of the most budget-friendly automobiles to insure in Maine.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in garaging location in Maine which can modify coverage rates noticeably.

Based upon the rates shown, we can tell that makes and models like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are the most economical vehicles to insure for safe drivers.

Get discount Maine insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-good-drivers-me.jpg" alt="Cheaper Maine car insurance for safe drivers”/>Insurers that provide cheap insurance for good drivers in Maine may also offer discounts that can reduce rates by 35% or more if you qualify for them. Larger car insurance companies and some of the premium reductions they offer are included below.

• Mercury Insurance discounts include age of vehicle, multi-policy, location of vehicle, accident-free, multi-car, ease of repair, and good student.
• Farmers Insurance offers discounts for early shopping, homeowner, distant student, electronic funds transfer, youthful driver, and alternative fuel.
• Farm Bureau offers discounts including youthful driver, renewal discount, good student, safe driver, and driver training.
• State Farm may include discounts for anti-theft, multiple policy, driver’s education, passive restraint, Drive Safe & Save, good student, and safe vehicle.
• Allstate has savings for farm vehicle, premier plus, passive restraint, defensive driver, good payer, eSmart discount, and EZ pay plan discount.
• GEICO includes discounts for defensive driver, daytime running lights, anti-theft, multi-vehicle, membership and employees, and federal employee.

The illustration below shows the comparison of yearly insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no accidents, no driving violations, Maine state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, marriage, multiple vehicle, defensive driving course, vehicle safety, and passive restraint discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for good drivers is 28% or $309.

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