If you need to find a quality car insurance policy provider in Sanford, drivers should consider comparing multiple options online. Not only does this allow them to save money by potentially finding more affordable rates, but it also saves valuable time by doing all the research and comparison shopping in one convenient place at InsuranceQuotes.com. By utilizing this platform, drivers can easily compare different coverage plans from various insurers and make an informed decision regarding their auto insurance needs. InsuranceQuotes.com is dedicated to helping individuals find the best possible car insurance policies while providing convenience and savings along the way.
Average Cost for Auto Insurance in Sanford, ME
State Minimum Liability: On average Sanford drivers can expect to pay $57 a month or $686 a year.
Full Coverage: Drivers can expect to pay $174 a month or $2,082 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Sanford – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who Has the Cheapest Car Insurance in Sanford
In Sanford on average the cheapest car insurance providers are Concord Group, Allstate and State Farm. – State minimum liability car insurance starts at $38 a month or $452 a year and full coverage car insurance starts at $103 a month or $1,238 a year with Concord Group Insurance
Here is a breakdown of average costs from the cheapest local insurance providers in Sanford from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
What are State Minimum Liability Requirements in Maine?
Though you may want to opt for higher coverage, here are the minimum car insurance requirements in Maine for the cheapest state minimum liability coverage while on the road:
$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$25,000 property damage liability per accident
These are the minimum coverage limits required by the state. Keep in mind that these limits may not provide comprehensive coverage, and you may consider higher coverage limits or additional coverage options such as comprehensive and collision insurance for better protection.
Top Tips for Saving Money on Your ME Car Insurance Policy
To save money on a new car insurance policy in Maine, consider implementing the following strategies:
Compare Multiple Quotes with InsuranceQuotes:
Obtain free quotes from multiple insurance providers all in one place to compare rates through InsuranceQuotes. Different insurers may offer varying premiums, so shopping around allows you to find the most affordable option.
Bundle your auto insurance with other policies, such as home or renters insurance, with the same provider. Many insurers offer discounts for bundling.
Maintain a Good Driving Record:
Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record, which is often rewarded with lower insurance costs.
Consider raising your deductibles for comprehensive and collision coverage. Higher deductibles typically result in lower premiums.
Ask About Discounts:
Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for safety features on your vehicle. Insurance providers may offer various discounts that can significantly reduce your premium.
Maintain Good Credit:
Insurers in some states, including Maine, use credit scores to determine premiums. Maintaining a good credit score may help lower your car insurance costs.
Choose a Safe Car:
Vehicles with safety features may qualify for lower premiums. Check with your insurance provider to see if your car’s safety features make you eligible for discounts.
Review Your Coverage:
Regularly reassess your coverage needs. If your circumstances change or if you have an older vehicle, you may be able to adjust your coverage to save on premiums.
If possible, reduce your annual mileage. Some insurance companies offer discounts for low-mileage drivers.
Take Advantage of Loyalty Discounts:
Inquire if your insurance provider offers discounts for long-term customers. Loyalty rewards may be available for staying with the same company.
Complete a Defensive Driving Course:
Some insurers offer discounts for completing defensive driving courses. Check with your provider to see if this option is available.