Before you drive in Maine, you need to be certain you have the proper auto insurance by law as well as enough to fully cover you in an accident. Maine has certain state laws regarding auto insurance that you must have before you can drive.
Maine auto insurance laws are a bit more thorough than some other states and their requirements for minimum insurance are higher. This leads many people from Maine to search for better rates on their automobile insurance.
According to state law in Maine, you must have:
• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $25,000 property damage
• $1,000 medical payments
These are of course, just the minimums and this isn’t to say that you couldn’t or shouldn’t, take out additional coverage policies to fully protect yourself on the road in Maine.
It’s never a good idea to drive without Maine automobile insurance. In addition to risking the high expenses involved in an accident without insurance, you can also face high fines, suspension of your license and more. Your car could be impounded and you could lose your rights to drive within the state if you are caught without proper auto insurance.
When it comes time to look for an auto insurance policy, it’s important to shop around to get the best rates possible. It’s important to drive carefully but also important to be sure you have the proper coverage needed.
When seeking insurance, you will need to supply some basic information about yourself which is used to help determine your insurance risk and thus, your premium rates. Some things that will be factored into this include your age and gender, information about your driving record, past tickets or accidents, your marital status, where you live, how much you use the vehicle, any prior insurance coverage, how often and how far you drive, the car’s make and model and also the names and driver’s license number for anyone in the household who could drive the vehicle.
All of this information is gathered to help find you quotes on what your insurance premium would be through different companies. You have the right to shop around and compare to find which company will meet your needs the best. Be sure when looking at companies to conduct as much research as possible before buying anything.
Read all the fine print of the policies, look at your deductible amounts and look at what you get for pricing, not just prices alone. Once you have a company that you think you want to go with, you should also ask the agent about any additional discounts or rebates that you could be eligible for. Often there are deals or discounts that you won’t even be told about unless you ask.
When you are a savvy shopper and you seek Maine auto insurance quotes online, it can help you save a great deal on your car insurance. You only have to invest a few minutes of your time and you can reap the rewards of big savings.
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