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.
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 Rates
- Belfast, ME Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Belfast, ME
- Multi Vehicle Insurance Savings in Belfast, ME
- How Credit Score Affects Car Insurance Rates in Belfast, ME
- How DUI Affects Auto Insurance Premiums in Belfast, ME
- Top Auto Insurance Agents Near Belfast, ME
- How Driving Violations Affect Auto Insurance Rates in Belfast, ME
- Belfast, ME Auto Insurance Discounts on Anti Theft Feature
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 |