Smyrna, ME Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Smyrna, 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.
Car Insurance in Smyrna, ME
The average cost of car insurance in Smyrna, ME, is $1,356. Auto insurance is one of the most important things you can have when you own a car. It protects you financially if you are in an accident and is required by law in most states. Everyone wants the finest insurance, but they do not realize that they can get better coverage at a lesser cost by doing little research before purchasing auto insurance in Smyrna, Maine. The amount you will pay each month for your auto insurance coverage is determined by several factors used by auto insurance providers. Finding the best deal is simpler when you know their methodology.
Credit History
You're more likely to be seen as a responsible driver if you have a good credit history. This means you're less risk to the insurance company, and they'll likely give you a lower rate. On the other hand, if you have a poor credit history, you're seen as a higher risk. This means the insurance company will charge you a higher rate to offset their risk. In Smyrna, Maine, car owners with exceptional credit scores have to pay $1,163, while those with poor credit scores must pay $2,212 for car insurance. So, if you're looking for the best auto insurance rate in Smyrna, ME, make sure you have a good credit history. It could save you money in the long run.
Age of the Driver
When it comes to car insurance, younger drivers tend to pay more than older drivers. This is because younger drivers are considered to be more of a risk on the road. They are more likely to get into accidents, and they are also more likely to get traffic tickets. Because of this, insurance companies tend to charge younger drivers higher rates. For instance, Teenage drivers in Smyrna, Maine, pay $4,400 for car insurance, whereas old drivers aged 40 pay $1,291.
Driving Habits
Your driving history is one of the most important factors in determining your auto insurance rate in Smyrna, ME. You will most likely qualify for the best rates if you have a clean driving record. However, if you have any accidents or moving violations on your record, your rates will be higher. Insurance companies use your driving history to determine how likely you are to get into an accident, and the rates reflect this. For instance, in Smyrna, Maine, car insurance rates for drivers who run red lights or have expired licenses are increased by +$316 and +$914, respectively.
Factors that can influence the cost of car insurance in Smyrna, 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.
- Smyrna, ME Auto Insurance Rates
- Smyrna, ME Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Smyrna, ME
- Multi Vehicle Insurance Savings in Smyrna, ME
- How Credit Score Affects Car Insurance Rates in Smyrna, ME
- How DUI Affects Auto Insurance Premiums in Smyrna, ME
- Top Auto Insurance Agents Near Smyrna, ME
- How Driving Violations Affect Auto Insurance Rates in Smyrna, ME
- Smyrna, ME Auto Insurance Discounts on Anti Theft Feature
Smyrna, ME Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Smyrna, ME with that of other cities in and around Smyrna.
| Smyrna | Dyer Brook | New Limerick | Oakfield | Ludlow | Merrill | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,356 | $1,296 | $1,368 | $1,308 | $1,296 | $1,344 |
Smyrna, 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 Smyrna, 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) |
|---|---|---|
| Smyrna | $1,021 | $862 |
| Ludlow | $1,036 | $875 |
| Oakfield | $1,405 | $1,187 |
| Merrill | $1,229 | $1,038 |
| New Limerick | $1,509 | $1,275 |
| Hammond | $1,300 | $1,098 |
| Dyer Brook | $1,704 | $1,439 |
| Linneus | $1,630 | $1,377 |
Smyrna, ME Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Smyrna, 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 | $4,400 |
| 20 Years | $1,742 |
| 30 Years | $1,342 |
| 40 Years | $1,291 |
| 50 Years | $1,196 |
| 60 Years | $1,212 |
| 70 Years | $1,411 |
Smyrna, ME Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Smyrna, 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 | $2,387 | $325 |
| 3 Vehicles | $3,580 | $488 |
| 4 Vehicles | $4,773 | $651 |
Savings on 2 Vehicles bundle:$325
Savings on 3 Vehicles bundle:$488
Savings on 4 Vehicles bundle:$651
Smyrna, 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 Smyrna, ME.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Smyrna | $1,356 | $2,252 |
| Ludlow | $1,296 | $2,152 |
| Oakfield | $1,308 | $2,172 |
| Merrill | $1,344 | $2,232 |
| New Limerick | $1,368 | $2,272 |
| Hammond | $1,320 | $2,192 |
| Dyer Brook | $1,296 | $2,152 |
| Linneus | $905 | $1,503 |
Smyrna, 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) | $1,163 |
| Excellent (740-799) | $1,328 |
| Good (670-739) | $1,413 |
| Average (580-669) | $1,843 |
| Poor (300-579) | $2,212 |
Smyrna, 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 |
|---|---|---|---|
| F A Peabody Company | Liberty Mutual Independent | 29 North St, Houlton, 4730 | (207) 532-2291 |
| Peabody F.A | Allstate | 29 North St, Houlton, 4730 | (207) 532-2291 |
| John Harvell | State Farm | 29 Military St, Houlton, 04730-1713 | 207-532-6969 |
| Varney Agency | None | 76 North St., Houlton, 4730 | None |
| Russell Clowes Insurance Agency Inc | None | 118 Bennett Drive, Caribou, 4736 | (207) 496-6061 |
| Varney Ins. Inc. | Allstate | 76 North St, Houlton, 4730 | (207) 532-2345 |
| United Insurance Kieffer Agency | None | 101 High St, Caribou, 4736 | None |
Smyrna, 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 | +$60 | $1,416 |
| Driver's Failure In Showing Documents | +$132 | $1,488 |
| Driving With An Expired Registration | +$140 | $1,496 |
| Driving At A Considerably Slow Pace | +$294 | $1,650 |
| Using A Cellphone While Driving | +$311 | $1,667 |
| Running A Red Light | +$316 | $1,672 |
| Speeding | +$332 | $1,688 |
| Driving A Vehicle Without The Required Permission | +$422 | $1,778 |
| Driving With An Expired/Suspended License | +$914 | $2,270 |
Smyrna, 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 | $1,302 |
| Active Disabling Device | $1,302 |
| Tracking Device | $1,275 |
| Passive Disabling Device | $1,261 |