Alna Auto Insurance Rates, Quotes, Agents & Reviews in ME

Alna, ME Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Alna, ME, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Low Cost Car Insurance in Alna, ME

The average cost of car insurance in Alna, ME, is $932. When it comes to auto insurance, Alna, ME, is a great place to start your search. There are many options available to drivers in Alna, ME, and the best way to find the right one is to compare quotes. By getting multiple quotes, you can be sure to get the best rate possible. There are a few things to keep in mind when shopping for auto insurance in Alna, ME:

  1. Make sure you are getting the coverage you need. There is no point in paying for coverage you will never use.

  2. Be sure to compare apples to apples. Some insurance companies offer different coverage options, so make sure you are comparing the same coverage.

  3. Don’t be afraid to negotiate.

Insurance companies want your business and are usually willing to give you a better rate if you ask. This article will discuss how much auto insurance costs in Alna, Maine, as well as how to negotiate for a lower price.

Credit History

Your premium is calculated by auto insurance companies using a variety of criteria. Your credit history is one of the factors. According to insurance providers, claim filing is more common among those with poor credit. As a result, they impose higher premiums on those with poor credit. People with poor credit tend to submit more claims, which are typically more expensive than those with good credit. Car owners in Alna, Maine, with exceptional credit scores must pay $800, while those with poor credit must pay $1520. As a result, a higher credit score correlates with lower Alna, Maine, auto insurance premiums.

Driving Habits

Your driving history is just one of the many variables auto insurance companies consider when determining prices. Your driving history might greatly impact your vehicle insurance premiums in Alna, ME. You'll probably pay less for insurance if you don't have any traffic tickets or accidents on your record. However, even one speeding ticket can increase your rates. For instance, for drivers who run red lights or have expired licenses, Alna, Maine's auto insurance rates increase by +$217and +$628, respectively.

Age of the Driver

Young drivers tend to be more inexperienced and, as a result, are more likely to get into accidents. This increases the risk of insurance companies charging higher rates to offset that risk. As you get older and gain more experience behind the wheel, you become a lower risk to insurers. This often results in lower insurance rates, although other factors will also affect your rates (like your driving record, car type, etc.). For instance, Teenage drivers in Alna, ME, pay $3024 for car insurance, whereas older drivers aged 40 pay $887.

Factors that can influence the cost of car insurance in Alna, ME are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Alna, ME Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Alna, ME with that of other cities in and around Alna.

Alna Jefferson Pittston Newcastle Whitefield Wiscasset
Average Insurance Rates $932 $923 $913 $969 $909 $923

Alna, ME Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Alna, ME based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Alna $1,346 $1,137
Newcastle $1,797 $1,518
Dresden $1,432 $1,209
Wiscasset $1,232 $1,041
Pittston $1,568 $1,324
Whitefield $1,368 $1,155
Nobleboro $1,526 $1,289
Jefferson $1,557 $1,315

Alna, ME Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Alna, ME usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,024
20 Years $1,198
30 Years $922
40 Years $887
50 Years $822
60 Years $833
70 Years $970

Alna, ME Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Alna, ME can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,640 $224
3 Vehicles $2,460 $336
4 Vehicles $3,281 $447

Savings on 2 Vehicles bundle:$224

Savings on 3 Vehicles bundle:$336

Savings on 4 Vehicles bundle:$447

Alna, ME Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alna, ME.

Location Average Insurance Cost Post DUI Insurance Rate
Alna $932 $1,548
Newcastle $969 $1,609
Dresden $919 $1,526
Wiscasset $923 $1,533
Pittston $913 $1,516
Whitefield $909 $1,509
Nobleboro $944 $1,567
Jefferson $923 $1,533

Alna, ME Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $800
Excellent (740-799) $913
Good (670-739) $971
Average (580-669) $1,267
Poor (300-579) $1,520

Alna, ME Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Tim Jameson Allstate 216 Bath Rd, Brunswick, 4011 (207) 725-6000
Chapman & Chapman Ins Of Damariscotta Travelers 108 MAIN ST, DAMARISCOTTA, 4543 207-563-3143
Mid Coast Insurance Agency Llc Travelers 134 FRONT ST, BATH, 4530 207-443-8400
Noyes Hall & Allen Insurance Travelers 170 OCEAN ST, SOUTH PORTLAND, 4106 207-799-5541
Cross Insurance - Bath None 5 Chandler Dr, Bath, 4530 (207) 443-3336
Amy Alward Allstate 95 Ocean St, S. Portland, 4106 (207) 767-3334
United Insurance Falmouth None Old Route One, falmouth, 4105 (207)402-3424
United Insurance Falmouth None Old Route One, falmouth, 4105 (207)402-3424

Alna, ME Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$41 $973
Driver's Failure In Showing Documents +$90 $1,022
Driving With An Expired Registration +$96 $1,028
Driving At A Considerably Slow Pace +$202 $1,134
Using A Cellphone While Driving +$213 $1,145
Running A Red Light +$217 $1,149
Speeding +$228 $1,160
Driving A Vehicle Without The Required Permission +$290 $1,222
Driving With An Expired/Suspended License +$628 $1,560

Alna, ME Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $895
Active Disabling Device $895
Tracking Device $876
Passive Disabling Device $867