Who Has Cheap Car Insurance for State Employees in Maine?

Finding reliable, low-cost auto insurance is difficult, and figuring out which company has the best auto insurance rates for state employees calls for even more shopping around. Every car insurance company uses their own formula for establishing rates, so we need to take a look at the most competitive auto insurance companies in Maine.

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USAA may offer some of the lowest car insurance rates in Maine at around $622 a year. Travelers, Countryway Insurance, Vermont Mutual, and The Hartford would also be considered some of the more affordable Maine auto insurance companies.

As depicted above, if you buy coverage from Vermont Mutual and switched to Travelers, you could see savings of approxmiately $91. Maine drivers with The Hartford might save as much as $98 a year, and Patriot customers might reduce prices by as much as $108 a year.

Be aware that those premium estimates are averaged for all insureds and vehicles and do not factor in a price decrease for state employees. So the company that fits your age and vehicle best may not even be included in the list of companies shown earlier. That’s why you need to quote rates from many companies using your own individual information.

For state workers, one of the more important factors that influence the amount you pay for auto insurance is where you live. Areas with more people or higher crime rates like Ellsworth, Auburn, and Augusta will most likely pay more, whereas areas with less traffic congestion and claims profit from lower rates.

The illustration below displays the most expensive cities in Maine for state employees to purchase auto insurance in.

Premium amounts are approximated as the specific zip code location can decrease or increase auto insurance rates significantly.

The example below shows how different deductible levels can raise or lower insurance costs when researching cheap insurance for state employees. The rates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1737,1589,1423,1265],[‘Age 30’, 919,841,749,661],[‘Age 40’, 883,811,725,645],[‘Age 50’, 807,741,665,593],[‘Age 60’, 795,729,655,583],[‘Age 70’, 909,837,759,683]]);var options = {title: ‘Effect of Higher Deductibles on Auto Insurance Rates in Maine’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could save $142 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $214 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save as much as $472 each year just by choosing larger deductibles.

If you do decide to increase your deductibles, it will now be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Full coverage versus liability-only

Finding cheap auto insurance for state employees in Maine is the goal of most vehicle owners, and an effective way to find cheaper insurance is to not buy comprehensive and collision coverage. The diagram below shows the difference between annual premium costs with liability coverage only compared to full coverage. The data is based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 1963,827],[‘Age 30’, 1025,457],[‘Age 40’, 1003,425],[‘Age 50’, 919,399],[‘Age 60’, 891,391],[‘Age 70’, 1113,521]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maine’,minValue: 0,format: ‘$###,###’},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);}

As an average, physical damage coverage costs $1,152 per year more than just insuring for liability. Many people question if you should buy full coverage. There is no clear-cut formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

Allstate vs State Farm vs Progressive vs Geico

When researching auto insurance for state workers in Maine, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. Between them, they insure about half of all auto insurance written. Each one has unique coverages that may influence your choice. The table below illustrates some of the different features offered by each one.