Car insurance is mandatory in Maine for anyone wishing to operate a motor vehicle, and while Maine isn’t known for being the least-expensive state to obtain coverage, there are still ways drivers can find affordable premiums and rates. While your driving history will primarily determine your premium costs, other factors can have an effect such as credit score, age and marital status which could alter their cost significantly – using a car insurance calculator can help narrow down options that meet both your specific needs and budget requirements.
Maine drivers can benefit from shopping around with several companies to save money. Top-rated insurers usually provide various discounts that can be combined for added savings; such as good student, safe driver, homeowner, senior citizen and multi-car discounts. You could also consider raising your deductible as another way of cutting monthly payments; though be wary as raising it will decrease financial protection in case of accidents or theft.
Your car’s make and model can also have an effect on its insurance costs, with sports cars and luxury vehicles typically costing more to insure than standard four-door sedans. Furthermore, any previous at-fault accidents or traffic violations may increase premiums significantly; drivers with clean records typically find lower premiums while speeding ticket recipients should expect their rates to spike considerably – those looking to return their rates closer to normal might consider taking an advanced driving course which could add three points off their driving record and help your rates come down accordingly.
Maine car insurance providers include GEICO, USAA and State Farm – usually offering competitive car insurance rates with high customer service ratings and lower premiums than national competitors. You might find the best value from shopping locally instead. Smaller regional insurers such as Amica Mutual or The Hanover may be better choices; their agents have extensive local networks ready to provide assistance if any questions or issues arise.
Insurance rates vary between insurers, with each company using its own method for calculating car insurance quotes. At The Zebra, we have researched Maine’s average auto insurance rates to help identify insurers offering lower premiums tailored to your needs. Start your comparison today by entering your ZIP code above! If you need any further help or have questions please reach out to one of our friendly experts at The Zebra who can answer all of your inquiries while finding you a policy tailored specifically to you! They can be reached at 877-829-0907 or through our chat service which are both available 24/7!