Maine Auto Insurance

If you are looking for Maine auto insurance, there is some important information to be aware of when getting quotes. Taking this information into consideration can help your search for auto insurance in Maine to go smoothly.

Understanding Maine’s Auto Insurance Laws

The law for Maine car insurance requires certain types of coverage in certain amounts. The amounts in Maine are higher than in many states, so be sure to understand what the requirements are when looking for a quote.  Your coverage must include liability, uninsured motorists, and medical payments.

Your Maine auto insurance policy must have at the very least:

• $50,000 for the injury to or death of any one person
• $100,000 for one accident resulting in injury to or death of more than one person
• $25,000 for property damage
• $1,000 for medical payments

It is estimated that about seven percent of Maine drivers are uninsured. Having uninsured motorist coverage will help if you are in an accident with someone who does not have insurance. Liability will cover the cost when you are at fault (or are liable) in an accident. Medical payments coverage helps cover the cost of injuries to you, your family, and your passengers. Property damage covers you if your car damages someone else's property. Sometimes that property is their vehicle but it could also be a fence, a house, or other personal property.

Maine law also has an allowance for insurance companies to require policy holders to complete a medical questionnaire. If you do not respond to the questionnaire within the first 60 days of coverage, your policy can be cancelled. So be sure to ask the companies you are getting quotes from if they require such a questionnaire.

If you have had a serious driving violation or have been caught by law enforcement driving without insurance, you may be required to fill out a SR-22 form before you can drive again. This form is from an insurance company and shows that you have obtained insurance.

Maine law also prohibits insurance companies from cancelling your coverage for certain reasons. Those reasons are related to age, credit information, or volunteer driving status. Your insurance company can cancel or not renew your policy if you do not pay your premium, you have violated any of the terms of your policy, or if your driver’s license has been suspended.

Information You'll Need When Getting A Maine Auto Insurance Quote

Before getting quotes, be sure to have the needed information in hand. This will make the process move along quickly. No one wants to be looking through files, and stacks of papers while trying to get a quote. There is some basic information you need to have ready to go.

• Your driving record: When you are getting a quote companies will want to know your driving history for the last three to five years. They will mainly want to know about moving violations such as speeding tickets, traffic infractions, and any accidents you have been involved in. They will need this information for any driver that will be covered under the policy.
• The make and model of the vehicle(s): Insurance companies base a portion of your premium on what type of vehicle you will need insured. Sports cars, minivans, and sports utility vehicles all have different risk factors that will be considered when you are given a quote.
• The address where the vehicle will be kept: Insurance companies can run this address through their system and see any risk factors involved. They will look at the crime rate in that area. For example, city addresses are more likely to be vandalized than country addresses. They can also track the record of car theft in the area to see if you are at risk.
• What you use your vehicle for: Insurance companies will want to know what the vehicle is mainly used for. Do you use it for errands or is it just driven to and from work? They will want to know how often you drive it and what distances. The more the vehicle is on the road; the more likely it is to be involved in an accident or violation.
• Your age, gender, and marital status: Statistics show that males have more accidents than females. They also show that younger males are at a higher risk for moving violations. Married people also tend to file fewer claims than single people. Insurance companies will take this all into consideration when they are giving you a quote of Maine auto insurance.
• Prior coverage information: Insurance companies can check with one another to see what claims, accidents, or violations you have had. They will want to know if you have ever been canceled for any reason or if you have gone for a period of time without coverage. These factors are all part of your final quote.

Compare Maine Car Insurance Rates Now!

To compare Maine auto insurance right now, use the free tool at the top of this page. Just click and compare. Find your best rate on a Maine auto insurance policy today!