How to Find Car Insurance in Maine
Comparison shopping.
The trick to finding good auto insurance in Maine is comparison shopping. Doing so allows you to learn how much auto insurance coverage will cost from your local car insurance companies. You can find car insurance online quickly and easily. It takes time but it will be worth it when you save money on car insurance each month.
The only way to ensure that you are not paying too much for your car insurance is to shop around online and find out what different companies are charging for the same services.
Good sources for comparing car insurance companies:
Impartial sources, such as consumer groups, Internet forums, consumer publications; auto insurance websites that give you quotes online.
A glossary or dictionary of insurance terms will help you with questions or problems. You can find one at your public library, or online.
The newspaper or yellow pages of your local area, which you can find online, for car insurance companies in Maine.
Ask your friends, neighbours and relatives about their own car insurance providers, and compare their rates and services. (http://www.maine.gov/pfr/insurance/consumer/auto.htm)
Know Your Information.
Car insurance companies need as much information from you as you need from them.
You will want to ask about things like car insurance premiums, products and services, price quotations, and more. You will want to keep a record of each car insurance quote you get, to compare car insurance companies in Maine and find the one best suited for you.
Your car insurance company will need information from you, such as your gender and age, marital status, driving record, make and model of car, and if you’ve upgraded and safety features in your car. Have this information handy, so you can get a fair and accurate quote from each auto insurance company.
Use this checklist when you get car insurance quotes:
What I need to know:
What is your highest deductible? (Must be at least 50/100/25)
How much is the monthly premium?
What discounts do you offer?
- Safety discounts for air bags, anti-lock brakes, etc.
- Good driver discounts
- Student discounts or discounts for good marks
- Safety training courses I’ve completed
- Discounts for location or low-traffic area
- Discounts for minimal mileage
- Completed driver’s education course
- Home/auto insurance package discounts
What would your car insurance quote be for me?
What car insurance companies need to know:
- Age, gender, marital status
- Make and model of vehicle
- Driving record
- Licensed drivers in household
- Claim history
- Credit history
- Cheap car insurance quotes from other companies
Maine Car Insurance Coverage as Required By Law
In order to drive legally in Maine, you MUST possess the minimum financial responsibility of $50,000 toward liability insurance for injury or death of any one person; $100,000 liability for injury or death of more than one person (yourself included); and $25,000 toward liabilities in property damage (50/100/25). These are minimum requirements from your car insurance company in the state of Maine, and you may want to buy more coverage.
Car insurance companies in Maine must also offer the following types of coverage:
Bodily injury liability protects you from victims’ claims for damages such as medical expenses, lost wages, pain and suffering after a car accident that was your fault. This will not cover the costs of property damage.
Property Damage liability to cover the cost of damage you cause to the property of others.
Uninsured/Underinsured motorists (UM), which is required by Maine under law. This can be claimed if you are injured by driver who can’t be indentified (as in a hit-and-run); does not have car insurance; or has liability insurance limits that are lower than your UM insurance limits.
