If you live in the state of Maine, OnlineAutoInsurance.com can help you get instant online auto insurance quotes and buy a policy online. Most State's Departments of Insurance recommend that you compare multiple quotes in order to find low cost coverage in Maine.
Since each driver is different, there really isn't one single car insurance company out there that is the cheapest for everyone. Each driver should do a rate comparison in order to find out which company will give them the lowest rates. OnlineAutoInsurance.com is here to help you do just that. Complete the following form and compare Maine quotes from a variety of insurers: 
The state of Maine makes it mandatory for drivers to insure their vehicles with at least liability car insurance, uninsured motorists, and medical payments coverage as follows:
| Liability Coverage | $50,000 for the injury to or death of any one person, | | $100,000 for one accident resulting in injury to or death of more than one person. | | $25,000 for property damage per accident. | | OR $125,000 Combined Single Limit - Includes injury, death and property damage. | | Uninsured Motorist Coverage | $50,000 bodily injury per person | | $100,000 bodily injury per accident | | Medical Payments Coverage | $2,000 medical payments coverage. |
The above is what the Maine financial responsibility law requires; however, consider buying higher coverage so that you are properly covered in case of an accident. Choosing the right coverage can get you out of a bad situation in case of a claim. Adding additional coverage may not increase your rate by much. It is encouraged to obtain quotes for different types of coverage so that you may choose according to your needs and budget.
What are some of the factors used to determine Maine auto insurance rates? - Driving Record - Companies will look at your driving history for the previous 3 to 5 years. The more violations or accidents you have, the higher your rates are likely to be.
- Garaging Address - The area where one lives is a determining factor of premiums. Companies look at how often claims occur in a certain area and use the information to base rates.
- Driver Info - Gender, Age and Marital status are also used to calculate a rate. Generally, a middle aged female that is married will generate lowest rates.
- Vehicle Info - Make, model and type of use and annual mileage are also factors affecting rates. Commercial use and/or high mileage generates a higher premium.
- Discounts
- Multiple Vehicle - Having more than one vehicle on your policy will give you a discount.
- Driver Ed Courses - For older and younger persons, a driver education certificate will provide a discount.
- Accident Prevention Course - For drivers over 55. Accident prevention course certificate required.
- Good Driver - For those with no or very few violations or accidents.
- Good Student - For those with a "B" grade point average or higher. Proof may be required.
- Vehicle Equipment - Vehicles with safety devices such as airbags, anti-lock brakes and anti-theft devices.
- Low Mileage - If you drive your vehicle a low annual mileage.
| OnlineAutoInsurance.com proudly serves the following counties: | | Androscoggin | Hancock | Oxford | Somerset | | Aroostook | Kennebec | Penobscot | Waldo | | Cumberland | Knox | Piscataquis | Washington | | Franklin | Lincoln | Sagadahoc | York |
The Maine Department of Insurance provides additional auto insurance consumers assistance. |