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Mainers Pay Less For Car Insurance

MARCH 17, 2021

By: Bill Mitchell

Are you paying too much for car insurance?

It’s hard to say because everyone’s situation is different. I’ve been insuring Maine individuals, families, and business owners since 1901. Just kidding! That was our founder, John B. Friel. And since then we’ve had other great leaders like my father, Paul J. Mitchell, Sr. He was an amazing person! I’ll be sure to blog about him soon. I learned several things from my father … work hard, treat people honestly and fairly, always be ethical with the insurance companies you represent, and give back to the communities that support you. He was absolutely right! I started at GHM in 1982.

Back to car insurance. Car insurance rates in Maine are among the lowest in the country according to ValuePenguin. There are many things that impact the cost of car insurance including how many uninsured drivers in a particular state (Maine has one of the lowest percentages), responsible consumers who purchase higher limits of liability (Maine has a higher percentage), state geography (rural states typically have lower rates), and competition (Maine has a higher percentage of insurance companies so that help drive premiums down). Historically car insurance rates increase each year but have been impacted favorably by Covid-19 with people driving less. Several insurance companies actually refunded money to Maine consumers in 2020. In 2021 rates are expected to be flat with most insurance companies. That said, as things get back to “normal” and people resume their driving routines, rates will likely begin to slowly rise again due to more accidents, increased costs to repair damaged vehicles, and medical expenses continuing to rise.

The good news is that since GHM is an independent agency, we represent several insurance companies and can offer more choices and some of the most competitive car insurance rates in Maine. As your situation changes, we can adapt and find the best insurance company to fit your needs. For example, Telematics: Several insurance companies now offer their version of Telematics, which is an app that monitors driving performance. Driving behaviors that are monitored are things like pace of acceleration and safe speeds, braking and safe stops, night time driving patterns, driving distractions, and total miles driven. The idea is to reward good drivers for good driving habits. Some insurance companies offer up to a 10% discount just to sign up, with additional good driving discounts after 90 to 180 days of good driving patterns. Start saving today! CLICK HERE for more information about Telematics and other ways you can save money on car insurance.

Start saving today! 

At GHM Insurance, we work hard to find the balance between lower rates and exceptional service. With access to up to 20 competitive insurance companies, and the hometown expertise of friendly, and knowledgeable Maine grown agents, we’ll help you make well-informed decisions and look for every way possible to help you save money on your car insurance.

To get a free quote and see how much you could possibly save on your car insurance, use our online car insurance shopping portal today!

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