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| In order to drive legally in the state of Maine, you will need to have insurance for your vehicle. The minimum requirements to satisfy the law are: $50,000 per person for bodily injury and $100,000 per accident for two or more people, $25,000 for property damage and $1,000 for medical payments. If you are looking to get cheap Maine auto insurance then choose these state required minimums. However, these coverages may not be sufficient for your situation and you should consult with an insurance agent when getting a Maine car insurance quote. An agent can advise you about other coverage choices that may make more sense for you. Today, your credit record plays an important role in getting you an affordable insurance policy in Maine for your car. This is because car insurance companies consider people with good credit records to be more responsible and the assumption is that this behavior will translate to driving habits; thus fewer claims. So keep track of your credit record and pay your bills on time and this will translate to discount Maine auto insurance. There are other factors to be considered but you can be sure that many insurance companies take credit into account when you ask for a vehicle insurance quote in Maine. Contact one of our multi line insurance agents in this directory for a competitive free quote for your vehicle. These agents represent some of the top automobile insurance companies doing business here. Many also handle other lines of insurance such as homeowners, commercial, life and health. Most companies offer a discount if you purchase more than one policy from them. One phone call could lead to a more affordable Maine car insurance policy so call today. |
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Maine is a tort state, which means that drivers are financially responsible for the damage and injury they may cause during an auto accident. Liability coverage is required in Maine. Maine requires that you purchase uninsured and underinsured motorist bodily injury coverages. The required minimums on these policies are 50/100 ($50,000 for injuries per person, up to $100,000 total). Many states now also use credit as a rating tool and having good credit can mean a lower rate. Rates are determined by the driving habits of the drivers within a state. The state's liability minimums are 10/20/10. That is $10,000 per individual for bodily injuries you cause to the other persons, and up to $20,000 for all, and $10,000 for damage you cause to the other party's personal property. Maine determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Visit the Maine Department of Insurance for additional details at the Insurance Basics link on this site. |
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