Cheap Auto Insurance Quotes for Active Military in Maine

When talking about auto insurance, the words “affordable” or “cheap” should not be used anywhere in the article. Excuse the oxymoron, but cheap auto insurance for active military does not exist. Don’t let that spoil your day, because we will teach you how you can still find insurance that is cheaper than your current policy.

The vehicle you are seeking coverage for is a large consideration that determines the availablility of the most economical car insurance for active military. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer models.

The next lists showcases car insurance premiums for a selection of the cheapest automobiles to buy coverage for.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in vehicle location which can influence coverage prices substantially.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in zip code location which can impact premiums considerably.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in zip code location which can revise coverage prices substantially.

One of the key criteria that is used to calculate insurance cost is where your car is garaged in Maine. Areas that are more densely populated or have higher claim rates like Skowhegan, Ellsworth, and Lewiston will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower auto insurance rates.

The following table lists the most costly cities in Maine for active military to buy an auto insurance policy in.

Annual rates are comparative as the specific area where the vehicle is garaged can raise or lower premium rates significantly.

Finding dependable, affordable car insurance is not the easiest thing to do, and determining which company has the most affordable insurance rates for active military calls for more quotes for comparison. Coverage rates could be a little bit better than the average policy in Maine because of the potential for less claims that comes with selling coverage for military personnel. Reasonable coverage should be available with minimal effort.
Every insurance company uses different criteria to set their prices, so we’ll take a look at the most budget-friendly insurance companies in Maine.

It’s important to understand that Maine insurance rates are influenced by many factors that may substantially change the cost of having a policy. This price variability is why drivers need to compare rates to get the most budget-friendly car insurance rates for active military. Car insurance prices can be altered by many risk factors and can change substantially, so the most economical option the last time you compared rates may now be costing you a lot of money.

Cheap Insurance Rates for Military

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Travelers quotes some of the most affordable car insurance rates in Maine at around $612 per year. USAA, Countryway Insurance, Vermont Mutual, and Patriot also are some of the best Maine auto insurance companies.

As the example above demonstrates, if you have coverage with Patriot and switched to USAA, you might realize a yearly price reduction of about $88. Maine drivers with The Hartford might save as much as $113 a year, and MetLife customers might cut rates by $149 a year.

Remember that these premiums are averaged across all insureds and vehicles and do not take into consideration a rate decrease for active military. So the insurer that fits your needs best may not even be shown in the chart above. That illustrates why you need to get quotes using your own specific driver and vehicle information.

Impact of violations and accidents on rates

One of the best ways to maintain low insurance rates in Maine for military personnel is to be a good driver and have a clean driving record. The example below highlights how speeding tickets and at-fault accidents influence yearly insurance costs for different age groups. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

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The chart shows that the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,179. Get two speeding tickets and the average cost surges to $1,561, an increase of $382 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for active military goes up to an average of $1,944. That’s an increase of $765, or $64 per month, just for not keeping your driving record clean!

Get discounts on Maine car insurance

Insurers that offer cheap auto insurance for active military in Maine may also provide price discounts that can reduce rates by 25% or more if you meet eligibility requirements. A few of the larger companies and their possible discounts are shown below.

• State Farm offers discounts including Steer Clear safe driver discount, safe vehicle, good student, multiple autos, multiple policy, anti-theft, and defensive driving training.
• GEICO has discounts for military active duty, daytime running lights, good student, driver training, defensive driver, and federal employee.
• Allstate includes discounts for good student, safe driver, utility vehicle, eSmart discount, farm vehicle, auto/life discount, and anti-theft.
• SAFECO offers premium reductions for teen safety rewards, anti-theft, multi-car, homeowner, safe driver, drive less, and anti-lock brakes.
• Farm Bureau offers discounts for multi-policy, 55 and retired, driver training, renewal discount, youthful driver, good student, and safe driver.
• Progressive discounts include multi-policy, online signing, homeowner, online quote discount, and good student.
• AAA may offer discounts for pay-in-full, multi-policy, multi-car, good driver, education and occupation, and anti-theft.

The information below illustrates the comparison of insurance premiums with and without discounts being applied to the rates. The data is based on a male driver, no accidents, no driving violations, Maine state minimum liability limits, comp and collision included, 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, marriage, multiple policy, passive restraint, accident-free, and defensive driving course discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for active military is 27% or $296.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 1833,1323],[‘Age 30’, 971,709],[‘Age 40’, 951,693],[‘Age 50’, 869,633],[‘Age 60’, 841,613],[‘Age 70’, 1021,741]]);var options = {title: ‘Insurance Premium Comparison for Active Military’,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(‘qcibdisc’));chart.draw(data, options);}

Find cheap auto insurance for active military in Maine

It is possible to find better rates, and here are some of the better money-saving suggestions that can help Maine drivers buy low-cost coverage.

• Safer vehicles generally have cheaper insurance rates
• Higher credit scores can equal lower rates
• Avoid speeding and other traffic citations and pay less
• Being accident-free can lower rates significantly
• Raise deductibles to save money
• Compare rates and switch if you can find a better deal

The last tip is extremely vital, as was pointed out in the prior information. Prices charged by auto insurers adjust frequently, so don’t hesitate to buy from a new company if a lower-cost policy is available.

Many drivers prefer to stick with one company, but it’s not a good idea if that stubbornness costs you lots of money. In just a couple of minutes you could compare prices to find cheaper auto insurance for active military.