Maine Car Insurance
Maine Car Insurance
You are required by law to purchase car insurance that covers liability, medical expenses, and uninsured motorists before you can drive on any roads in the state. Your policy MUST include the following before you are legal to drive on any public roads; $50,000 for bodily injury, or death of any one person, $100,000 for one accident resulting in death or injury to more than one person, $25,000 per property damage, and $1,000 for medical payments. You will not be able to register your vehicle without meeting these minimum requirements. You must keep in mind that these coverages are the minimum amounts, and if you are involved in an accident that requires more funds you will be responsible for those. Also, with the recent price increases in medical care, these minimum amounts may not be enough to fully cover someones injuries.
Shopping for car insurance in Maine is not difficult. There are car insurance companies everywhere, from downtown offices, to shopping centers, and even online coverage is available. Shopping around and getting several quotes is always the best way to begin. You should also ask your friends and family which companies they recommend. Check with your state insurance department to see who they find creditable and who is not. Compare price quotes before you make any final decisions.
Your monthly premiums are based on your driving record, age and gender, marital status, licensed drivers in your household, where your vehicles will be parked or garaged at night, prior car insurance coverage, how you use your vehicle, and the make and model of your vehicle. You may also be qualified for certain discounts on your Maine car insurance such as; over 55 years of age, multiple vehicles you are insuring with the same company, driver education courses you have finished, good grades if you are a student, safety features on your vehicle, anti-theft devices, low mileage driven annually, good driving record, auto and home insurance package. To learn more about requirements and helpful discounts you may be eligible for, please contact our office at 866-526-9669.