Cheap Car Insurance for 18 Year Olds in Maine

For teen drivers, one of the largest criteria that affect the policy price is your address. Regions with more people or even just more weather-related claims like Ellsworth, Lewiston, and Old Town tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims benefit from lower rates.

The next table ranks the higher priced cities in Maine for 18 year olds to purchase auto insurance in.

Prices are comparative as specific Maine garaging address can modify prices significantly.

The vehicle model you are seeking coverage for is probably the largest consideration that determines whether or not you can buy the most economical coverage for 18 year olds. Vehicles with average performance, a great safety record, or a low likelihood of liability claims will cost substantially less to insure than higher performance models.

The lists below outlines auto insurance premiums for a number of the most economical automobiles to insure.

Price data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in zip code location which can revise prices noticeably.

Price data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in zip code location which can decrease or increase rates considerably.

Table data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific Maine garaging location which can modify coverage prices substantially.

Discounts on cheap car insurance for 18 year olds in Maine

Insurers that provide policies for 18 year olds may provide premium discounts that could reduce prices by as much as 40% or more if you are eligible to receive them. Companies and a summarized list of policyholder discounts are included below.

The information below compares insurance costs with and without discounts applied to the premium. The rates are based on a female driver, no driving violations, no at-fault accidents, Maine state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, paperless filing, paid-in-full, good student, anti-theft, and passive restraint discounts applied. When discounts are factored in, the average amount saved each year on car insurance for 18 year olds is % or $.

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Finding the best company can be rather challenging considering how many companies there are to choose from in Maine. The ranking data in the lists below can help you analyze which insurers you want to consider comparing prices from.

The rankings below are for major nationwide insurance companies, so companies that focus mainly on Maine business will not be included in these rankings. If you would like to check rates from these and other companies in Maine, just click here.

Who has the cheapest insurance quotes for teen drivers?

You have a lot of ways to compare car insurance quotes in Maine, but the three most common ways are using an exlusive agent such as State Farm or Auto-Owners, an independent insurance agent, or from a direct company like Progressive.

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

Independent agents have contracts with many companies and can get rate quotes from each one. Independent agents have the option to get prices from more than one company, which can help you get improved chances of finding a lower rate. If your premiums go up, your policy can be easily switched to a different company and you don’t have to switch agencies.

An exlusive, or captive, agency is only able to place business with a single company, two examples are an Allstate or State Farm agent. Exclusive agents generally are unable to provide rates from more than one company, so you need to shop around if the rates are high.

Buying from a direct company means skip an exlusive or independent agent and instead buy buying direct from a company like Esurance or Progressive. Buying car insurance direct may be preferred by drivers who have an average risk profile and know more than average about what specific coverages they need.

So which of the methods works best to buy cheap car insurance for 18 year olds in Maine? We’d like to say shopping direct results in the best prices because there are no middleman commissions, but unfortunately, that is not the case. An argument could also be made that using an independent agent guarantees the lowest rates because they can shop around, but that is not accurate either. In a lot of cases, the exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Due to that fact that car insurance uses so many rating variables, really the best method to ensure you are not overpaying for car insurance is to compare rate quotes from as many companies as possible. Experts recommend getting quotes from all three to have the best selection of rates to choose from. For a list of companies with cheap rates in Maine, click here to view.

Ideas for buying cheaper car insurance for 18 year olds

The list below summarizes some of the better thrifty ideas that can help drivers buy the cheapest coverage.

• Full coverage is expensive so only insure older vehicles for liability only
• Good credit scores may make rates cheaper
• Increase deductibles to save money
• Frequent claims may make car insurance unaffordable
• Home or renters coverage can save on auto insurance
• Buy vehicles with five-star safety ratings
• Ensure you have the best deal by shopping around regularly

That last piece of advice is remarkably significant, as we emphasized in this piece. Coverage prices can change significantly in a year, so don’t be afraid to switch companies if you can save money.

Many drivers prefer to stick with one company, but it isn’t a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. In just a couple of minutes you could shop around and find cheaper auto insurance for 18 year olds.