How Much Does Car Insurance Cost for Government Employees in Maine?

Buying affordable auto insurance is challenging, and deciding which companies quote the cheapest auto insurance rates for government employees may require even more shopping around. Each auto insurer uses their own calculation for setting prices, so we need to take a look at the lowest cost auto insurance companies in Maine.

It’s important that you understand Maine auto insurance rates are influenced by many factors that control the cost of your policy. Improving your credit score, buying a different vehicle, or getting a driving violation can cause premium changes resulting in some companies being cheaper than others.

Find the Cheapest Auto Insurance in Maine

Start Your Free Quote

Travelers generally has some of the best car insurance rates in Maine at around $606 per year. USAA, Countryway Insurance, Vermont Mutual, and Patriot also are some of the lowest-priced Maine car insurance companies.

In this example, if you are currently insured with Vermont Mutual and switched to USAA, you might realize a yearly savings of around $71. Customers with Patriot might save as much as $81 a year, and The Hartford policyholders might reduce rates by $121 a year.

To find cheap insurance for government employees in Maine for your vehicle, click here to get quotes or feel free to get quotes from the companies below.

Bear in mind that those estimates are averaged for all types of drivers and the different vehicles they drive and do not factor in a price discount for government employees. So the insurer that can offer you the best rate may not even be shown in the chart above. That illustrates why you need to get rate quotes using your own specific driver and vehicle information.

Cost and performance of the vehicle you are seeking coverage for is probably the most important factor that determines whether or not you can buy cheaper coverage for government employees. Vehicles with more horsepower, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models. The next tables ranks auto insurance prices for some of the most affordable vehicles to insure in Maine.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can alter premium rates considerably.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can decrease or increase rates greatly.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific location which can increase or decrease prices noticeably.

When shopping for insurance for state and federal workers, one of the many considerations that affect the amount you pay for auto insurance is where you keep your car in Maine. Regions with larger populations or more claims like Skowhegan, Lewiston, and Old Town tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents generally have lower rates.

The information below ranks the most expensive places in Maine for government employees to purchase a policy in.

Prices are comparative as the vehicle garaging location can impact auto insurance rates greatly.

Comparison of full coverage and liability-only policies

Finding cheap insurance for government employees in Maine is probably important to most drivers, and one of the best ways to buy cheap insurance is to only buy liability coverage. The diagram below shows the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no accidents or driving violations, $250 deductibles, single status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2507,827],[‘Age 30’, 1305,457],[‘Age 40’, 1291,425],[‘Age 50’, 1175,399],[‘Age 60’, 1135,391],[‘Age 70’, 1383,521]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maine’,minValue: 0,format: ‘$###,###’},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 averaged out across all ages, comprehensive and collision coverage on your policy costs an additional $1,466 per year over and above liability only. That is a big expense that brings up the question if it’s worth it to buy full coverage. There is no clear-cut formula to exclude physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

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

If you want the best auto insurance for state and federal workers, four companies to take a look at are Progressive, Geico, State Farm, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a different combination of discounts, features, and options that you can choose from. The table below rates ratings for price, service, and claims, in additional to some of the optional coverages that may be available in your state.

Find cheap insurance for government employees in Maine

The list below summarizes many penny-pinching suggestions that can help you quote low-cost coverage.

• Drive vehicles with five-star safety ratings
• Remove physical damage coverage on older vehicles
• Good credit can save money
• Raise deductibles
• Be a safe driver
• Accidents can significantly increase rates
• Shop around for cheaper prices

The last item on the list is notably necessary, as we pointed out in the prior information. Prices go up and down frequently, so drivers shouldn’t be reluctant to switch to a new company if a better deal can be had.

Loyalty to a specific company is fine, but it isn’t a good idea if your bullheadedness ends up costing you a lot of money every month. In less than five minutes you could shop around and find cheaper car insurance for government employees.