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.
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:
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Make sure you are getting the coverage you need. There is no point in paying for coverage you will never use.
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Be sure to compare apples to apples. Some insurance companies offer different coverage options, so make sure you are comparing the same coverage.
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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 Rates
- Alna, ME Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alna, ME
- Multi Vehicle Insurance Savings in Alna, ME
- How Credit Score Affects Car Insurance Rates in Alna, ME
- How DUI Affects Auto Insurance Premiums in Alna, ME
- Top Auto Insurance Agents Near Alna, ME
- How Driving Violations Affect Auto Insurance Rates in Alna, ME
- Alna, ME Auto Insurance Discounts on Anti Theft Feature
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 |
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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 |
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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 |
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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 |
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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 |
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Audible Alarm | $895 |
Active Disabling Device | $895 |
Tracking Device | $876 |
Passive Disabling Device | $867 |