{"id":858,"date":"2010-04-27T13:41:27","date_gmt":"2010-04-27T17:41:27","guid":{"rendered":"http:\/\/noyeshallallen.wordpress.com\/?p=235"},"modified":"2017-11-09T08:52:54","modified_gmt":"2017-11-09T14:52:54","slug":"maines-low-car-insurance-rates-lead-the-nation","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/maines-low-car-insurance-rates-lead-the-nation\/","title":{"rendered":"Maine&#8217;s Low Car Insurance Rates Lead the Nation"},"content":{"rendered":"<p>As recently <a title=\"&quot;Where Auto Insurance is Most Expensive\" href=\"http:\/\/wheels.blogs.nytimes.com\/2010\/04\/12\/where-auto-insurance-is-most-expensive\/?scp=1&amp;sq=auto%20insurance%20expensive&amp;st=cse\" target=\"_blank\">reported in the New York Times<\/a>&#8216; &#8220;Wheels&#8221; blog, \u00a0The\u00a0average\u00a0 cost of a <a title=\"Maine Car Insurance and Online Auto Insurance Quotes from Noyes Hall &amp; Allen\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/car-insurance\/\" target=\"_blank\">Maine auto insurance <\/a>policy is $902.85 per year, the lowest rates in the country.<\/p>\n<p>The contest\u00a0isn&#8217;t even close. Residents of the next lowest state, Vermont, pay about 7% more than Mainers. The nationwide average: about $1,450 &#8211; a whopping 38% higher.<\/p>\n<p>With our snowy, icy winters, why would our car insurance be so cheap? It&#8217;s not all about weather.\u00a0 In fact, 7 of the lowest 10 states are in the snow belt.<\/p>\n<p><strong>Behind the Numbers<br \/>\n<\/strong>Car insurance rates essentially pay for 3 things:<\/p>\n<ul>\n<li>Repair Costs<\/li>\n<li>Medical Bills<\/li>\n<li>Legal Bills and Damages from Lawsuits<\/li>\n<\/ul>\n<p>Maine&#8217;s costs for the first two are roughly in line with the rest of the country, but Mainers tend to be a bit less litigious than some other areas. That helps keep costs down.<\/p>\n<p><strong>Are Uncrowded Roads The Answer?<br \/>\n<\/strong>Maine is less congested than much of the country, but that&#8217;s not the whole reason behind our lower car insurance costs. Otherwise, Ohio, North Carolina, Arizona, Tennnessee\u00a0and Massachusetts (yes, Massachusetts) wouldn&#8217;t\u00a0also be in the bottom 10.<\/p>\n<p><strong>Our Theory<br \/>\n<\/strong>We think there&#8217;s something else behind the numbers: The rest of the country&#8217;s\u00a0<a title=\"Avoiding 4 Big Car Insurance Mistakes\" href=\"http:\/\/noyeshallallen.wordpress.com\/2010\/02\/17\/avoiding-4-big-car-insurance-mistakes-coverage-advice-from-a-maine-insurance-agency\/\" target=\"_blank\">high percentage of uninsured drivers<\/a>, and <a title=\"Avoiding 4 Big Car Insurance Mistakes\" href=\"http:\/\/noyeshallallen.wordpress.com\/2010\/02\/17\/avoiding-4-big-car-insurance-mistakes-coverage-advice-from-a-maine-insurance-agency\/\" target=\"_blank\">pitifully low minimum liability limits<\/a>, and the number of people without health insurance.<\/p>\n<p>You see, when someone has no insurance to pay their medical bills or repair their car, they&#8217;re more likely to try to &#8220;go against the other guy&#8221;\u00a0after an accident, in an effort to avoid big bills. Even if you&#8217;re not at fault, if you&#8217;re &#8220;the other guy&#8221;, you can be sued, or the other party can try to make a claim against your insurance.<\/p>\n<p>Even if a claim or suit is groundless, it costs your insurance company money to hire an attorney on your behalf or investigate the claim. That drives up insurance costs\u00a0&#8211; for everybody.<\/p>\n<p>So, maybe Maine really is&#8230;<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2010\/04\/ME-sign1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1820\" title=\"ME sign\" alt=\"Maine - The Way Life Should Be\" src=\"https:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2010\/04\/ME-sign1.png\" width=\"474\" height=\"271\" \/><\/a><\/p>\n<p>Are you paying too much for\u00a0car insurance? Get 4 competitive <a title=\"Maine Car insurance quotes from Noyes Hall &amp; Allen\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/car-insurance\/\" target=\"_blank\">Maine auto insurance quotes<\/a> in 10 minutes from <a title=\"Maine Car insurance quotes from Noyes Hall &amp; Allen\" href=\"http:\/\/www.noyeshallallen.com\" target=\"_blank\">Noyes Hall &amp; Allen&#8217;s web site<\/a>, or call us at 207-799-5541. We represent 10 of the state&#8217;s preferred auto insurers. One call gives you access to all of them!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As recently reported in the New York Times&#8216; &#8220;Wheels&#8221; blog, \u00a0The\u00a0average\u00a0 cost of a Maine auto insurance policy is $902.85 per year, the lowest rates in the country. The contest\u00a0isn&#8217;t even close. Residents of the next lowest state, Vermont, pay about 7% more than Mainers. The nationwide average: about $1,450 &#8211; a whopping 38% higher. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,24,28],"tags":[7,36],"class_list":["post-858","post","type-post","status-publish","format-standard","hentry","category-car-insurance","category-finance","category-news","tag-living-in-maine","tag-saving-money"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/858","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=858"}],"version-history":[{"count":1,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/858\/revisions"}],"predecessor-version":[{"id":4762,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/858\/revisions\/4762"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}