Cheapest Auto Insurance Quotes for Police Officers in Maine

When talking about car insurance, the word affordable should never appear anywhere in the article. Unfortunately, cheap auto insurance for police officers is almost non-existent. Don’t get your dauber down, because we can show you some ways you can still get insurance that fits into your budget.

The make and model of vehicle you are trying to insure is probably the largest consideration when looking for the cheapest auto insurance for police officers. Vehicles with high performance, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The tables below outlines auto insurance premiums for some of the most cost-effective vehicles to buy insurance for.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in specific Maine garaging location which can alter prices noticeably.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific zip code location which can modify premium rates significantly.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can influence rates considerably.

When buying car insurance for law enforcement personnel, one of the key criteria that establish auto insurance rates is your zip code in Maine. Areas with a lot of weather claims or more people like Ellsworth, Auburn, and Belfast are more likely to have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The illustration below displays the highest-priced areas in Maine for police officers to purchase auto insurance in.

Price information shown is estimated as zip code location can influence premium rates greatly.

Finding out which company has the most affordable car insurance rates for police officers involves a bit more work in order to find the best price. Every auto insurer has their own process for setting prices, so let’s take a look at the car insurance companies that tend to have lower prices in Maine.

It’s important that readers know that Maine car insurance rates are determined by lots of factors that control the price you pay. Getting older, buying a home instead of renting, or getting caught speeding can trigger price changes that can now make some companies cheaper than competitors.

Cheapest Insurance Rates for Law Enforcement

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Travelers quotes some of the most affordable car insurance rates in Maine at around $624 each year. USAA, Vermont Mutual, Countryway Insurance, and Patriot also are some of the best Maine insurance companies.

As the example above demonstrates, if you buy coverage from Countryway Insurance and switched to Travelers, you could see yearly savings of in the vicinity of $89. Policyholders with Patriot could save as much as $107 a year, and The Hartford customers might reduce prices by as much as $126 a year.

If you would like to find the cheapest auto insurance for police officers in Maine, click here to begin a quote or visit any of the companies below.

Understand that those premium estimates are averages for all drivers and vehicles and do not factor in a price discount for police officers. So the insurer that fits you best may not even be in the chart above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.

Types of discounts on Maine auto insurance

Insurance companies that offer the cheapest auto insurance for police officers in Maine may also offer premium discounts that could lower prices by as much as 30% if you qualify for them. A list of companies and some of their more popular discounts include:

The example below shows the comparison of annual premium costs with and without some available policy discounts. The price estimates are based on a male driver, no tickets, no at-fault accidents, Maine state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, multiple policy, accident-free, passive restraint, homeowner, and defensive driving course discounts applied. When taking advantage of discounts, the the amount saved on car insurance for police officers is 32% or $624.

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Which car insurance company is best?

If you’re looking for the cheapest car insurance, the four most popular companies are Allstate, Progressive, Geico, and State Farm. When combined, they make up about 50% of all car insurance policies written. The following table illustrates ratings for price and service, as well as some optional coverages that policyholders can buy.

Who has the cheapest insurance quotes for law enforcement personnel?

Consumers have many ways to find cheap car insurance in Maine, but the three most common are through an independent agent, a captive (or exclusive) agent such as State Farm or Allstate, or direct either online or via phone.

They all have the same basic principle, but buyers need to know the differences in how they price policies.

Independent insurance agents write for multiple companies and can get policy pricing from each one. These agents are not employed by only one company and can give you more rates, which can give you the best chance of finding a lower price. If your premiums go up, your agent can switch companies without you having to go to a different agency.

An exclusive ageny is only able to give prices for a single insurance company, two of the more popular are Allstate or State Farm agents. Exclusive agents cannot give you multiple price quotes, so if their prices are high, they cannot shop around.

Direct car insurance buyers do not use an agent and instead shop from a direct company like Esurance or Geico. Shopping for car insurance direct can be a good choice for consumers who do not need high amounts of coverage and understand what car insurance covers.

So which of those three methods works best for finding the cheapest auto insurance for police officers in Maine? We’d like to say shopping direct results in the cheapest rates because there is no agent involved, but that is not always the case. It would also be easy to say an independent agent guarantees the best prices since they can quote with many companies, but again, it’s not necessarily true. For the right applicant, the exclusive agents may have very competitive prices that are the lowest in Maine.

Because of the variability of car insurance rates, the only true way to not overpay for car insurance is to compare, compare, and compare some more. Make the effort to get prices from all three types in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.