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Car Insurance
Presque Isle ME
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No Long Forms
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(888) 291-7830
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
Maine is one of the most expensive states for car insurance. Presque Isle drivers pay an average of $1,200 per year for their car insurance coverage. This is almost $400 more than the national average and makes Maine one of the costliest places to insure a vehicle.
The reasons behind Maine's high rates can be attributed to a few factors. Maine has some of the highest accident rates in the country, with over 9,500 reported crashes occurring each year in Maine alone. Additionally, Maine also ranks highly among other states when it comes to theft and vandalism losses due to its extensive coastline making it easier for thieves or vandals to access vehicles parked on or near the beaches. Other contributing factors include the harsh winter weather in Presque Isle and the high cost of repair parts due to Maine's remote location.
The best way Presque Isle drivers can keep their car insurance costs down is by shopping around for policies that offer good coverage at a reasonable rate. Maine also offers a wide range of discounts, including ones for safety features, multi-car insurance, student drivers, and more. Maine has been taking steps to make it easier for consumers to compare rates and find the lowest rates available. By taking advantage of these tools and staying informed about changes in regulations that may lead to lower premiums, Maine drivers can save money on car insurance year after year.
Finally, Maine encourages its citizens to take defensive driving courses or driver improvement classes as another way to save money on premiums. Doing so may qualify Presque Isle drivers for additional discounts, reducing the cost of coverage even further. By taking advantage of these tools and staying informed about changes in Maine regulations that may lead to lower premiums, Maine drivers can save money on car insurance year after year.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,109 |
| 20 Years | $1,231 |
| 30 Years | $948 |
| 40 Years | $912 |
| 50 Years | $845 |
| 60 Years | $857 |
| 70 Years | $997 |
Maine is one of the most expensive states for car insurance, with Maine drivers paying an average of $1,200 per year. When it comes to auto insurance rates, Maine law does not discriminate based on age; however, younger drivers usually pay more because statistically they are considered a higher risk than older drivers. Young Presque Isle drivers between 16 and 25 years old typically pay around 30 percent more than their older counterparts due to the increased likelihood of accidents and traffic violations.
On the other hand, Presque Isle seniors over 65 can benefit from discounts and lower premiums as they are generally safer drivers who pose less risk when behind the wheel. Additionally, Maine seniors may also be eligible for additional coverage options such as long-term care or personal injury protection.
In Maine, it is important for all drivers to compare rates from multiple insurance providers in order to find the best possible coverage at the lowest cost. Maine does not have a government-run auto insurance program like some other states, so drivers need to take responsibility for finding their own policy and comparing prices between different companies. By shopping around and taking advantage of discounts available, Maine adults of any age can save money on car insurance while still protecting themselves and their vehicles. It pays to be an informed Presque Isle driver! By staying informed about changes in Maine regulations that may lead to lower premiums and taking advantage of discounts, Maine drivers can save money on car insurance year after year. Whether you are young or old, Maine auto insurance rates can be kept to a minimum if you take the time to shop around and compare policies.
|
| Allstate | Farmers | Geico | Progressive | Travelers |
| NAIC Market Share | 9.33% | 4.16% | 13.45% | 13.45% | 13.45% |
| S&P Global Ratings | A- | A | AA+ | A | A |
| Average Full Coverage Yearly Premium | $1,271 | $1,609 | $600 | $996 | $739 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 4 stars | 4 stars |
|
| Allstate | Farmers | Geico | Progressive | Travelers |
| NAIC Market Share | 9.33% | 4.16% | 13.45% | 13.45% | 13.45% |
| S&P Global Ratings | A- | A | AA+ | A | A |
| Average Full Coverage Yearly Premium | $1,271 | $1,609 | $600 | $996 | $739 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 4 stars | 4 stars |
|
| Allstate | Farmers | Geico | Progressive | Travelers |
| NAIC Market Share | 9.33% | 4.16% | 13.45% | 13.45% | 13.45% |
| S&P Global Ratings | A- | A | AA+ | A | A |
| Average Full Coverage Yearly Premium | $1,271 | $1,609 | $600 | $996 | $739 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 4 stars | 4 stars |
758 Main St, Presque Isle, ME 04769
(207) 764-4171
http://www.fapeabody.com/
40 North St, Presque Isle, ME 04769
(207) 764-6161
http://www.unitedinsurance.net/locations/presque-isle/55/location/
505 Main St, Presque Isle, ME 04769
(207) 764-4422
No website found
56 North St, Presque Isle, ME 04769
(207) 764-1962
https://agents.allstate.com/chad-brewer-presque-isle-me.html
44 Maysville St, Presque Isle, ME 04769
(800) 343-0533
http://www.mmgins.com/
24 North St, Presque Isle, ME 04769
(207) 760-4057
https://www.raymondsfinsurance.com/
When shopping for Maine car insurance, it is important to compare policies from multiple companies in order to make sure you are getting the best coverage at a reasonable rate. Presque Isle has some of the highest auto insurance rates in the nation, but there are still plenty of options available if you know where to look. Some of Maine's most reputable and reliable car insurance providers include State Farm, Geico, Liberty Mutual, Allstate, and Progressive.
When comparing car insurance companies in Presque Isle it is important to consider both price and coverage options. Price should not be the only factor when making your decision; after all, you get what you pay for when it comes to auto insurance coverage. Make sure that your policy includes sufficient liability coverage as Maine requires a minimum of $50,000 per person and $100,000 per accident. Additionally, Maine drivers should consider the additional coverage options available such as comprehensive and collision coverage.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $4974 | $1005 |
| Reckless Driving | $3940 | $990 |
| Wrong Way/Wrong Lane | $3851 | $946 |
| Driving on Sus. License | $3324 | $926 |
| Illegal Turn | $2771 | $904 |
| Failure to Obey Traffic Sign | $2406 | $879 |
| Speeding over 15 | $2245 | $843 |
| Defective Equipment | $1886 | $611 |
| Speeding under 15 | $1871 | $623 |
When it comes to Presque Isle, driving infractions can be costly. Maine requires that all drivers carry a minimum amount of auto insurance coverage, which is set by the state. The cost of insurance premiums for Maine drivers is based on a number of factors, including the driver's age, driving record and location. If a person has an infraction or two on their driving record, such as multiple speeding tickets or an at-fault accident, this can lead to higher insurance premiums. Insurance companies use these types of violations to assess risks associated with those individuals and thus charge more for their coverage accordingly.
The Maine Bureau of Motor Vehicles (BMV) also plays an important role in determining insurance rates in Maine. They keep track of every driver’s driving record, including any infractions or other violations. Maine drivers can check their driving records through the Maine BMV website and see what type of violations are on their record. Knowing this information can help Presque Isle drivers be aware of any potential increases in insurance premiums associated with their driving history.
In addition to higher insurance premiums due to a poor driving record, Presque Isle requires that drivers pay an additional fee for certain types of infractions. These fees may include fines for speeding tickets, at-fault accidents, or other traffic violations. This fee is referred to as the Driver Responsibility Fee and is typically paid annually or monthly depending on the circumstances. The amount owed depends on the severity of the violation and will vary from driver to driver.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $959 |
| Below Fair | $2014 |
| Poor | $2278 |
| Worst | $2671 |
In Presque Isle, insurance companies also consider an individual’s credit score when determining the cost of their auto insurance premiums. A good credit score can lead to cheaper quotes and better rates on insurance policies in Maine. So it pays to be aware of your credit history and do what you can to maintain a good score if you are looking for the best possible deals on car insurance in Maine.
When considering Presque Isle auto insurance, it's important to remember that the total cost of ownership extends beyond just the price of your vehicle. Insurance rates will also play a role in how much you pay each month for your vehicle. Maine has some unique laws regarding car insurance that can affect your rate and coverage options, so make sure to research these before committing to an insurance policy. Knowing what types of coverage Maine requires, as well as the minimum requirements for liability coverage, can help you get the most out of your Maine auto insurance policy. Additionally, shopping around and comparing different companies can often save you money on premiums, so don't forget to do some research before settling on one company for all of your Maine auto insurance needs.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
When looking for Maine auto insurance, it’s important to understand the difference between full coverage and liability only policies. Full coverage Presque Isle auto insurance is designed to provide the most protection against financial loss in the event of an accident or other incident involving your vehicle. This type of Maine auto insurance will cover collision and comprehensive losses as well as any liability costs that you may be held liable for. Liability-only Maine auto insurance is a more cost-effective option, covering only damage done to another person's vehicle should you cause an accident. It does not typically cover damages to your own car or medical expenses related to accidents. Understanding the differences between full coverage and liability-only Maine auto insurance can help you make better informed decisions about which type of Maine auto insurance is right for you.
Maine has a “no-fault” system that applies to personal injury protection and property damage liability coverage. This means that each driver’s Presque Isle auto insurance policy pays for their own medical expenses, regardless of who caused the accident. Maine also requires all drivers to carry at least $50,000 of bodily injury protection and $25,000 of property damage liability coverage on their Maine auto insurance policy. Understanding Maine’s no-fault laws can help you make sure you are adequately covered in case of an accident or other incident involving your vehicle.
Maine auto insurance companies often offer discounts on car insurance premiums for a variety of reasons. Some common Maine auto insurance discounts include good driver discounts, loyalty or multi-policy discounts, and accident prevention devices such as anti-lock brakes or airbags. Additionally, Maine drivers can take advantage of defensive driving courses designed to help them become better drivers and therefore lower their Presque Isle auto insurance rates. It’s important to ask your Maine auto insurance company about any available discounts so you can get the best rate possible for your Maine auto insurance policy.
If you have a teenager who is just starting to drive, Maine auto insurance can be expensive. Fortunately, Presque Isle auto insurance companies do offer some discounts for teens that can help offset the cost of adding them to your Maine auto insurance policy. Teens may qualify for a discount if they maintain good grades in school or take an approved defensive driving course. Additionally, parents may want to consider raising their deductibles to lower their Maine auto insurance rates and make it more affordable for teenagers.
Maine auto insurance companies often offer discounts for seniors, so it’s important to ask your Maine auto insurance provider about any available discounts. Presque Isle drivers who are age 55 or older may qualify for a discount if they complete an approved defensive driving course. Additionally, Maine auto insurance companies may also offer discounts for seniors who maintain a good driving record and have not had any major accidents in the past few years. Understanding what types of Maine auto insurance discounts are available can help seniors get the best rate possible on their Maine auto insurance policy.
SR-22 insurance is a type of Presque Isle auto insurance that is required for high-risk drivers. Maine requires high-risk drivers to obtain an SR-22 certificate from their Maine auto insurance provider and file it with the Maine Bureau of Motor Vehicles. An SR-22 certificate proves that you have Maine auto insurance coverage, even if your regular Maine auto insurance policy has been canceled or lapsed. If you are required to carry SR-22 Maine auto insurance, it’s important to make sure your Maine auto insurance policy remains in force at all times so you don’t risk losing your driving privileges.
To obtain a Maine driver’s license, you need to be at least 16 years old and have had your learner’s permit for at least six months. You must also pass the Maine road test and a written knowledge exam. Additionally, Presque Isle drivers are required to carry Maine auto insurance coverage with at least $50,000 of bodily injury protection and $25,000 of property damage liability coverage. Maine also requires all drivers to maintain proof of Maine auto insurance in their vehicles at all times. Understanding Maine’s requirements for obtaining a driver’s license can help you make sure you are properly insured before getting behind the wheel.
Raising your deductible is one way to lower Maine auto insurance rates. Maine drivers who are willing to take on more of the financial risk themselves in the event of an accident can save money by raising their deductibles. However, it’s important to make sure you have enough money saved up to cover the cost of any necessary repairs before increasing your Presque Isle auto insurance deductible. Additionally, if you are considering raising your Maine auto insurance deductible, it’s a good idea to look for other Maine auto insurance discounts first so you can maximize the amount of savings.
When shopping for Presque Isle auto insurance, it’s important to compare the different Maine auto insurance companies to find the best deal. Geico and Allstate are two of the most popular Maine auto insurance providers, but their rates can vary significantly depending on your location and other factors. Comparing Maine auto insurance quotes from both companies can help you make sure you’re getting the best rate possible for your Maine auto insurance policy. Making an informed decision about Presque Isle car insurance coverage will help ensure you get the protection you need while saving money on your Maine auto insurance premiums.
When it comes to insurance in Presque Isle, the two biggest players are State Farm and Liberty Mutual. Both of these companies offer a wide range of coverage options and competitive rates. But which one is better? To answer this question, we must compare their products and services.
State Farm has been providing car insurance coverage to Presque Isle residents since 1922. They offer standard auto policies as well as specialized coverage such as classic car insurance, motorcycle insurance, boat insurance and more. Plus, they have an impressive list of discounts that can help you save money on your policy. Their customer service is also top-notch and they have agents located throughout Maine who are always willing to help with any questions or concerns.
Liberty Mutual, on the other hand, has been serving Maine's insurance needs since 1912. They too have an extensive list of coverage options and discounts that can help you save money on your policy in Presque Isle. Plus, they offer a wide range of online tools to make it even easier to manage your policy. Their customer service is also excellent and their agents are always willing to provide help and advice.
In terms of price, State Farm is usually more expensive than Liberty Mutual in Presque Isle. However, when it comes to coverage options and customer service, both companies excel. Therefore, the decision between them ultimately comes down to personal preference and budgeting needs.
Another major insurance provider in Presque Isle is Nationwide, which has been providing coverage since 1925. They offer a variety of auto policies and discounts to help Maine residents save money on their premiums. Plus, they have an impressive list of add-on options such as accident forgiveness and rental car reimbursement. Their customer service is also great and agents are available throughout Maine to help with any questions or concerns.
Progressive, meanwhile, has been serving Presque Isle customers since 1937. In addition to standard auto policies, they offer specialized coverage for boats, RVs, motorcycles and more. Plus, they have a wide range of discounts that can help you save money on your policy. They also have excellent customer service and agents located throughout Maine who are always willing to help.
In terms of price, Progressive is usually cheaper than Nationwide in Presque Isle. However, both companies offer competitive coverage options and great customer service. Therefore, the decision between them ultimately comes down to personal preference and budgeting needs.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Presque Isle, Maine. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Presque Isle, ME. Related: How much is SR22 in Maine?
Bundling auto and homeowners insurance in Presque Isle promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Presque Isle insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Presque Isle at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
