Maine Car Insurance Laws, Rates, and Minimums
If you live in the state of Maine, OnlineAutoInsurance.com can help you get instant online auto insurance quotes and buy a policy online. The state's Bureau of Insurance recommends 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's the cheapest for everyone. Each driver should do a rate comparison in order to find out which company will give 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: state of Maine
Compare Online Auto Insurance Quotes in Maine:
|Liability Coverage||Uninsured Motorist Coverage||Medical Payments Coverage|
|$50,000 for injury to or death of any one person||$50,000 bodily injury per person||$2,000 for medical bills per accident.|
|$100,000 for one accident resulting in injury to or death of more than one person||$50,000 bodily injury per accident|
|$25,000 for property damage per accident|
|OR $125,000 Combined Single Limit - Includes injury, death and property damage.|
The above is what the state financial responsibility law requires, But consider buying a higher coverage so that all assets are properly protected in case of a serious accident. Choosing the right coverage can help drivers avoid a bad situation in case of a claim. Adding coverage may not increase rates by much. Shoppers are encouraged to compare Maine car insurance on different types of coverage so that they may choose according to individual needs and budgets. Obtaining ME auto insurance quotes is free and can lead to optimum savings and adequate protection.
What are some of the factors used to determine Maine auto insurance rates?
Driving record - Companies will look at driving history for the previous 3 to 5 years. The more violations or accidents drivers have, the higher their rates are likely to be.
Garaging address - The area where one lives is a determining factor for 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 who is married will generate lowest rates.
Vehicle Info - Make, model, type of use, and annual mileage are also factors affecting rates. Commercial use and/or high mileage generates a higher premium.
Multiple vehicle - Having more than one vehicle on a policy will bring a discount.
Driver education courses - For older and younger people, a driver education certificate may provide a discount, depending on the company.
Accident prevention courses - 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" average or higher. Proof may be required.
Vehicle equipment - For vehicles with safety devices such as air bags, anti-lock brakes, and anti-theft devices.
Low Mileage - If a vehicle is driven less than average on an annual basis.
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The Maine Bureau of Insurance provides additional auto insurance consumer assistance.