How Much are Car Insurance Quotes for Single Moms in Maine?

It’s hard to miss the catchy advertisements from car insurance companies like GEICO, Farmers, and Progressive claiming enormous savings. So you should just choose any of them, right?

It’s not that easy, however, as there are a ton of unknown aspects such as if you have ever let your coverage lapse, the amount of driving experience you have, and your vehicle’s safety rating, that all help calculate your car insurance rates. We know insurance is not everyone’s favorite topic, but in this article we will cover the different ways you can keep rates low and should give you a good start in finding the cheapest insurance in Maine.

Determining which company offers the most affordable car insurance rates for single moms may require a little more effort in order to find the best price.

Each insurer has a proprietary method for determining rates, so we’ll take a look at the most competitive car insurance companies in Maine. It’s important that you understand Maine car insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply turning a year older, buying higher coverage limits, or getting a driving violation can trigger changes in premium that can now make some companies cheaper in comparison to the competition.

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Travelers quotes some of the cheapest car insurance rates in Maine at around $606 a year. USAA, Vermont Mutual, Patriot, and Countryway Insurance also are some of the most economical Maine insurance companies.

In the above example, if you are insured with Vermont Mutual and switched to Travelers, you could see a yearly price reduction of upwards of $108. Drivers with Patriot might save as much as $111 a year, and Countryway Insurance customers might lower prices by up to $114 a year.

To compare your rates to other Maine insurance companies, click here to begin a quote or quote rates from the companies below.

Remember that these policy rates are averaged across all drivers and vehicles in Maine and and are not figured with a rate discount for single moms. So the insurer that has the cheapest price for you may not even be included in the list above. That’s why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

The vehicle model requiring coverage is probably the largest consideration when comparison shopping for economical car insurance for single moms. Vehicles with reasonable performance levels, good crash test ratings, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The next list estimates coverage rates for a selection of the most cost-effective vehicles to insure in Maine.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific Maine garaging location which can decrease or increase insurance rates noticeably.

Based upon the table data, we can presume that cars like the Chevrolet Traverse, Subaru Forester, Hyundai Santa Fe, Toyota Tacoma, and Honda Odyssey are most likely going to be the cheaper vehicles to insure for single parents.

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

When buying car insurance for single parents in Maine, four companies to definitely compare rates with are Allstate, Geico, State Farm, and Progressive. They all offer your standard coverages, but each one has different optional coverages and features that shoppers can choose from. The next table ranks pricing and service ratings, as well as optional policy coverages that are available for buyers.

Best cheap insurance quotes for single parents

Due to technology, there are many ways to quote and buy car insurance in Maine, but the most popular ways are from a captive (or exclusive) agency like Allstate or Liberty Mutual, an independent agent, or from a direct company like Progressive.

All three ways can provide car insurance quotes, but it’s important to understand the differences in how they provide price quotes.

Independent agents can place your business with multiple companies and can do rate comparisons with all of them. These types of agents have the freedom to give you more rate choices, which can help you get the best chance of saving money. If you are not satisfied with one company, you can get a different policy and you don’t have to find a new agent.

Exclusive agencies are only able to place business with just one company, a couple examples are a State Farm or Allstate agent. This type of agents cannot provide multiple price quotes, which will not provide a complete price comparison.

If you buy direct, you forego local insurance agents and instead shop from a direct company like Progressive or Esurance. Buying car insurance direct is good for people who do not need complex risk management and have an above average understanding of how car insurance works and possible exclusions.

Which way works best to find cheap auto insurance for single moms in Maine? It would be obvious to point out buying from a direct company results in the best prices since that prevents the need to pay agent commissions, but that turns out to not be true. We could also assume that going through an independent agent guarantees the best prices since they can provide multiple quotes, but that assumption is also not accurate. For some people, the exclusive agents have extremely competitive rates that are the lowest in Maine.

Because there are so many factors that make up car insurance rates, the only true way to get the lowest rate is to compare lots of quotes. We recommend you get quotes from all three types to have enough rates to compare. For a list of companies with online discounts, click here to view.