Who Has Cheap Car Insurance for Low Mileage Drivers in Maine?

For infrequent drivers, one of the big components that helps car insurance companies calculate the cost of insurance is where you call home. Densely populated urban areas like Ellsworth, Winslow, and Old Town tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.

The table below ranks the priciest cities in Maine for low mileage drivers in which to purchase auto insurance.

Rates are comparative as the specific area where the vehicle is garaged can raise or lower prices noticeably.

We all have different tastes in cars, and the vehicle on the policy is a large factor when quoting the most affordable car insurance for low mileage drivers. Vehicles with limited speed and performance, good crash test ratings, or a positive history of liability claims will cost significantly less to insure than high performance models. The information below estimates auto insurance costs for a handful of the cheapest vehicles to buy insurance for.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in your specific Maine location which can decrease or increase coverage prices greatly.

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 homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific location information which can revise premiums substantially.

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-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific location information which can increase or decrease price quotes significantly.

Finding reliable, low-cost auto insurance is hard enough, and finding out which companies offer the lowest-priced insurance rates for low mileage drivers involves even more rate comparisons. Each insurer uses a slightly different approach for establishing rates, so we’ll take a look at the lowest cost insurance companies in Maine.

It’s important that you understand Maine insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. This price fluctuation is why it is critical to compare lots of rates to find the cheapest car insurance rates for low mileage drivers. Insurance rates are calculated by many factors and can decrease or increase without notice, so the best price when you last compared rates may now not even be in the top five.

Best Car Insurance Prices in Maine

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Travelers may have some of the best car insurance rates in Maine at around $612 annually. USAA, Vermont Mutual, Countryway Insurance, and The Hartford would also be considered some of the most economical Maine car insurance companies.

As illustrated above, if you currently have a policy with Countryway Insurance and switched to Travelers, you could earn a yearly price reduction of about $87. Insureds with The Hartford could save as much as $116 a year, and Patriot insureds might realize rate reductions of up to $119 a year.

Understand that those premiums are averages for all ages of drivers and types of vehicles and do not take into consideration a price discount for low mileage drivers. So the car insurance company that can offer you the best rate may not even be featured in the list of companies shown earlier. That affirms the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

Discounts on cheap car insurance for low mileage drivers in Maine

Insurance companies that provide policies for low mileage drivers may additionally offer discounts that could lower prices by 25% or more if you meet specific criteria. A list of companies and their possible discounts are outlined below.

• Mercury Insurance discounts include location of vehicle, annual mileage, type of vehicle, multi-policy, and low natural disaster claims.
• Farmers Insurance may have discounts that include mature driver, early shopping, distant student, homeowner, teen driver, and electronic funds transfer.
• Farm Bureau policyholders can earn discounts including safe driver, youthful driver, multi-vehicle, renewal discount, multi-policy, and good student.
• State Farm offers premium reductions for multiple autos, passive restraint, accident-free, good student, and multiple policy.
• Allstate has savings for premier plus, EZ pay plan discount, new car, teenSMART discount, and utility vehicle.
• GEICO has discounts for anti-lock brakes, multi-vehicle, defensive driver, five-year accident-free, seat belt use, and good student.

The example below compares car insurance costs with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Maine state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, multiple policy, homeowner, marriage, defensive driving course, and passive restraint discounts applied. When taking advantage of discounts, the the average amount saved on insurance for low mileage drivers is 27% or $281.

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Best insurance in Maine

Ending up with the best auto insurance provider can be challenging considering how many choices drivers have in Maine. The ranking information in the next section can help you analyze which providers you want to consider purchasing from.

The rankings below are only comprised of large, nationwide insurance companies, so companies that only write business in Maine or surrounding areas are not taken into consideration for the list. To view rates from these and other top-rated companies, click here.

Top 10 Major Auto Insurance Providers Overall in Maine

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top 10 Major Auto Insurance Providers in Maine Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Esurance – A+
6. Allstate – A+
7. Nationwide – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

How to find low-cost auto insurance for low mileage drivers

The list below shows some of the better penny-pinching ideas that can help Maine drivers find cheap coverage.

• Raise your deductibles
• Buy a safer vehicle
• Remove physical damage coverage on older vehicles
• Maintain a safe distance and avoid accidents
• Keep your driving record clean
• Pay lower rates with good credit
• Comparison shop frequently

The last tip in the list is remarkably important, as we hit on in this article. Coverage prices adjust frequently, so you should be ready to buy from a new company if a cheaper rate is available. Many drivers prefer to stick with one company, but it’s not a good idea if that devotedness results in you overpaying a fortune every year. In just a few minutes you could compare prices to find cheaper car insurance for low mileage drivers.

Cheap insurance quotes for infrequent drivers

There are a variety of different ways to get affordable insurance quotes in Maine, but the most prevalent are either through an exlusive agent such as Allstate or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive. They all have the same basic principle, but they are slightly different in how they give price quotes.

Independent agencies write business for many companies and can compare coverage rates with each one. These types of agencies are appointed with more than one company and can provide you with more rates, which can help you get a better chance of finding cheaper coverage. If the agent locates a cheaper price, it’s easy for the agent to move the policy and you don’t have to switch agencies.

A captive or exclusive agent is restricted to a single company, two popular examples being Allstate or State Farm agents. They generally cannot quote rates from more than one company, so if rates are not competitive, they cannot shop around.

Buying from a direct company means forego a local insurance agent and instead buy buying direct from a company like Esurance or Geico. This option is a good choice for families who do not need complex risk management and have some degree of understanding of the exclusions of a policy.

What is the best method to find cheap car insurance for low mileage drivers in Maine? Most people would assume that buying from a direct company results in the cheapest rates because you bypass the middleman, but that does not always hold true. And we’d like to say an independent agent is the best way due to more options, but that assumption is also not accurate. For some people, the exclusive agents have coverage prices that are the lowest in Maine.

Due to the large number of rating factors, the best method to ensure you are not overpaying is to get as many comparison quotes as possible. Make the effort to get prices from all three types to get a good idea who is cheapest. For a list of companies with some of the cheapest Maine insurance rates, click here to view.