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

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

Zimlon, through its research, found that car owners in Belfast, 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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Average Cost of Car Insurance in Belfast, ME

Car insurance is a must in Belfast, ME. You never know when an accident will happen or when another driver will hit your car. That's why it's essential to have car insurance. It can help pay for damages to your car, or it can help pay for your medical bills if you're injured in an accident. There are many different types of car insurance, so it's necessary to find the right one for you.

The average cost of car insurance in Belfast, ME, is $935. When searching for auto insurance in Belfast, Maine, there are a few factors to bear in mind. They must look for affordable vehicle insurance in Belfast, evaluate the costs and promotional offers, and determine whether the plan meets their requirements. Finally, confirm that the business provides the coverage you require at a cost you can afford. In Belfast, Maine, Zimlon has looked into a few variables that may be influencing the cost of auto insurance.

Credit History

When trying to get insurance for your car in Belfast, ME, your credit history will influence how much your premium will be. If you have a good credit score, you will likely get a lower rate than someone with a bad credit score. Insurance companies use credit scores to help determine how likely you are to file a claim. If you have a history of late payments or unpaid debt, you will be considered a higher risk and will be charged a higher premium. You can improve your credit score by paying your bills on time, keeping your balances low, and using credit responsibly. For example, in Belfast, Maine, car owners with excellent credit must pay $916, while those with poor or inadequate credit must pay $1,525.

Age of the Driver

Age is one of the major factors that insurance companies take into account when setting rates. Younger drivers are generally considered higher risk and are therefore charged higher rates. In Belfast, ME, the average cost of car insurance for a 20-year-old is $1,201 per year, while the average cost for a 40-year-old is $890 – a difference of $311. There are a number of reasons why younger drivers are considered to be at higher risk. They are more likely to be involved in accidents, and they are also more likely to engage in risky behaviours such as speeding and driving under the influence. Insurance companies also consider that younger drivers are less experienced and more likely to make mistakes. 

Driving Habits

You can expect to pay relatively low rates for your car insurance if you have a clean driving record. However, if you have a history of accidents or traffic violations, you can expect to pay significantly higher rates. Insurance companies use your driving history to predict your future risk. Those with a history of accidents or violations are considered to be a higher risk than those with a clean driving record. As such, they will usually pay more for their car insurance. For example, in Belfast, Maine, drivers must add an additional +$218 and +$630 to the total cost of auto insurance if they run a red light or drive with a suspended driving licence.

Factors that can influence the cost of car insurance in Belfast, 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.

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

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

Belfast Belmont Morrill Waldo County Searsport Northport
Average Insurance Rates $935 $908 $914 $913 $1,196 $939

Belfast, 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 Belfast, 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)
Belfast $1,291 $1,090
Waldo $1,540 $1,301
Northport $2,081 $1,757
Belmont $1,367 $1,154
Searsport $1,217 $1,028
Swanville $1,204 $1,017
Morrill $1,323 $1,117
Waldo County $1,539 $1,300

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

Teenagers in Belfast, 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 $3,034
20 Years $1,201
30 Years $925
40 Years $890
50 Years $824
60 Years $836
70 Years $973

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

Car owners in Belfast, 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 $1,627 $243
3 Vehicles $2,440 $365
4 Vehicles $3,254 $486

Savings on 2 Vehicles bundle:$243

Savings on 3 Vehicles bundle:$365

Savings on 4 Vehicles bundle:$486

Belfast, 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 Belfast, ME.

Location Average Insurance Cost Post DUI Insurance Rate
Belfast $935 $1,553
Waldo $914 $1,518
Northport $939 $1,559
Belmont $908 $1,508
Searsport $1,196 $1,986
Swanville $905 $1,503
Morrill $914 $1,518
Waldo County $913 $1,516

Belfast, 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) $802
Excellent (740-799) $916
Good (670-739) $974
Average (580-669) $1,271
Poor (300-579) $1,525

Belfast, 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
Reyn Ritchie State Farm 228 Northport Ave, Belfast, 04915-6012 207-338-5538
Unity Ins Agy Inc Allstate Depot St PO Box 163, Unity, 4988 (207) 947-8637
Cross Insurance Travelers 15E STARRETT DR, BELFAST, 4915 207-338-5430
Macomber Farr & Whitten None One Market Square One Market Square, Augusta, 4330 None
Quirion Insurance None 114 State St, Augusta, 4330 None
Cross Insurance - Augusta None 116 Community Drive, Augusta, 4330 None
Brennan Insurance Agency Liberty Mutual Independent Po Box 57, winthrop, 4364 None

Belfast, 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 $976
Driver's Failure In Showing Documents +$91 $1,026
Driving With An Expired Registration +$96 $1,031
Driving At A Considerably Slow Pace +$203 $1,138
Using A Cellphone While Driving +$214 $1,149
Running A Red Light +$218 $1,153
Speeding +$229 $1,164
Driving A Vehicle Without The Required Permission +$291 $1,226
Driving With An Expired/Suspended License +$630 $1,565

Belfast, 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 $898
Active Disabling Device $898
Tracking Device $879
Passive Disabling Device $870