How Much is Car Insurance for Felons in Maine?

Because the topic is car insurance, the word “cheap” should not be used anywhere in the article to describe car insurance prices. Unfortunately, cheap car insurance for felons can be hard to find. But don’t let us ruin your dream, because we are going to tell you how you can get car insurance that you can afford to pay for.

One of the many criteria used to calculate insurance cost is where you call home in Maine. Areas with more people or even just a higher incidence of claims like Lewiston, Ellsworth, and Skowhegan will most likely have higher rates, whereas cities that are not as densely populated generally have lower rates.

The information below lists the priciest cities in Maine for felons to purchase car insurance in.

Annual rates are estimated as the specific garaging location can affect premium rates considerably.

Finding good, budget auto insurance is hard enough, and determining which companies quote the most affordable auto insurance rates for felons involves even more perseverance. Every car insurance company has a unique approach to set premium rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Maine.

It’s important that readers know that Maine auto insurance rates are influenced by many factors which can substantially change the cost of coverage. Improving your credit score, buying a newer car, or getting a DUI can cause premium changes that can make some companies more affordable than the competition.

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

In the rate table above, if you are currently insured with Vermont Mutual and switched to USAA, you might realize an annual savings of in the vicinity of $80. Insureds with The Hartford could save as much as $87 a year, and MetLife customers might lower prices by up to $153 a year.

If you would like to find cheap auto insurance for felons in Maine, click here to start your custom quote or feel free to get quotes from the companies below.

Understand that those estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a price decrease for felons. So the car insurance company that can offer the best rates for your situation may not even be included in the company chart above. That affirms the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

The vehicle model that is being insured is probably the biggest factor in finding cheap auto insurance for felons in Maine. Vehicles with limited speed and performance, good crash test ratings, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models. The next list features car insurance prices for the cheapest automobiles to insure.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in specific Maine garaging location which can raise or lower premium rates significantly.

Based upon the rates shown, you can conclude that models like the Honda CR-V, Jeep Wrangler, Ford F-150, and Honda Accord are the cheapest vehicles to insure for felons.

Types of discounts on Maine car insurance

Insurance providers that sell cheap auto insurance for felons in Maine may additionally offer premium discounts that can reduce rates by as much as 30% if you meet certain criteria. Large auto insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm has savings for Steer Clear safe driver discount, safe vehicle, student away at school, good student, and driver’s education.
• Liberty Mutual may have discounts that include safety features, good student, newly retired, new move discount, exclusive group savings, and hybrid vehicle.
• American Family offers discounts including good driver, accident-free, defensive driver, bundled insurance, air bags, and mySafetyValet.
• Progressive offers premium reductions for multi-vehicle, online quote discount, online signing, good student, continuous coverage, and multi-policy.
• Farmers Insurance may offer discounts for business and professional, good student, switch companies, electronic funds transfer, early shopping, and multi-car.
• Auto-Owners Insurance policyholders can earn discounts including safe vehicle, anti-theft, multi-policy, company car, paperless, and air bags.
• SAFECO discounts include teen safety rewards, accident prevention training, safe driver, homeowner, and bundle discounts.

The example below compares annual premium costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or driving citations, Maine state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, claim-free, multiple vehicle, defensive driving course, vehicle safety, and safe-driver discounts applied. When taking advantage of discounts, the the average yearly reduction on auto insurance for felons is 27% or $238.

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State Farm, Geico, Allstate, or Progressive: Which is best?

When comparing rates for auto insurance for felons in Maine, the companies that insure more vehicles than anyone else are State Farm, Geico, Allstate, and Progressive. When added together, they insure nearly half of the entire U.S. car insurance market. All four can cover your vehicle for liability and physical damage, but each one has a little bit different set of discounts and options that you can select from. The next table compares and contrasts pricing and service ratings, as well as optional policy coverages that you can purchase from each one.

Who has the cheapest insurance quotes for felons?

There are a variety of different ways to find cheap auto insurance in Maine, but the most frequently used are either through an independent agent, an exclusive insurance agency like Allstate or State Farm, or direct from companies such as Progressive or Geico.

Each way has the same basic steps, but each is slightly different in how they price policies.

Independent agencies are appointed by several companies and can quote your policy with every one. They can sell policies from many different companies and can quote rates with many companies, which may give you better odds of saving money. If they quote lower rates, the business is moved internally and that require little work on your part.

An exlusive, or captive, agency is only able to quote your policy with one insurance company such as a State Farm or Allstate agent. They are unable to provide rate quotes from other companies, so unless you get quotes from other companies, you cannot determine which is cheapest.

If you buy direct, you skip the middleman (the agent) and instead buy buying direct from a company like Geico or Progressive. This auto insurance option is a good choice for families who do not need advice for risk management and know more than average about the limitations of their policy.

So which one of the three ways works best to buy cheap auto insurance for felons in Maine? Our initial answer would be shopping direct results in the cheapest price because there is no agent involved, but unfortunately, it’s not that cut and dried. And we’d like to say going through an independent agent is the best way to save because they can quote many companies, but again, it’s not necessarily true. For some people, the exclusive agents have very competitive rates that are the cheapest.

Because there is so much variation in auto insurance prices, really the only way to get the lowest rate is to compare, compare, and compare some more. If you want to save money, get rate quotes from independent agents, exclusive agents, and direct companies in order to have enough rates to compare. To see some of the cheapest online companies available, click here to view.

How to get cheap auto insurance for felons in Maine

The list below shows some money-saving solutions that can help Maine drivers quote the cheapest auto insurance.

• Bundle car and home insurance and save money
• Avoid getting citations and tickets
• At-fault accidents can raise rates significantly
• Try to not file small claims
• Drive a car with a high safety rating
• Compare quotes from other companies often

The last tip is particularly vital, as was noted in the prior information. Auto insurance rates in Maine vary considerably, so don’t be unwilling to change to a new company if you can find a cheaper rate. Sticking with a specific company is fine, but it’s not a great idea if it’s costing you a considerable chunk of change every month. Take a few minutes and shop around to find cheaper insurance for felons.