Maine Car Insurance

The state of Maine is very beautiful, driving about enjoying the scenery is to die for. But there are some negative connotations associated with the state. Having some of the most dangerous roads in the United States it carries a title. And for this, I can explain why there such high coverage on car insurance in the state of Maine. Don’t get overwhelmed with high rates and don’t assume that there isn’t any way you can get discounts, that’s why we’re here to help you out. We’ll go through the details of what car insurance and Tails in the state of Maine the best and cheap auto insurance there.

Required Coverages

Because of the name associated with a state the minimum requirement in Maine can seem quite high. Here are the minimum requirements for car insurance in the state of Maine.

  • $50,000 a bodily injury coverage per person
  • $100,000 a bodily injury coverage per accident
  • $25,000 of property damage accident
  • $50,000 of underinsured and uninsured bodily injury coverage per person
  • $100,000 of uninsured and underinsured motorist coverage for bodily injury or accident
  • $2,000 in medical payment coverage

These numbers are quite high and don’t be scared, we’re going to the nitty-gritty as to what goes behind your car insurance and how you can take advantage of cost savings. Depending on the insurance carrier you go with you may be able to combine your liability insurance would have property damage and bodily injury $125,000 per accident.

Optional Coverages

Because most of the minimum requirements for car insurance in the state of Maine are actually a requirement, the optional coverage list and seemed quite low. But nonetheless, here are the optional coverage is available to you.

Factors of Your Insurance Premium

Like we mentioned before, the state of Maine has quite High insurance. But don’t be discouraged with high numbers and the minimum requirements will explain to you the factors that actually way into your insurance premium and how you can take advantage of cost savings by shopping around.

  • Driving record
  • Type of car you drive
  • Where you park your car
  • How long you’ve been driving
  • Insurance history
  • Credit

The above list is a factor you can control with respect to your car insurance premium. Now if you’re good with it, and have a clean driving record check off all the boxes above you should be in the clear with some of the most affordable car insurance in the state of Maine.

By shopping around you’d be able to take advantage of some cheaper car insurance rates. So why not take advantage of speaking with a local agent who can help you structure an insurance premium that’s right for you. You can connect with one here. 

Average car insurance in Maine

Living in Maine you know the car insurance is relatively cheap. Sending about 35% lower than the national average fuel looking to pay about $930 each year

 The factors that impact your insurance premium can vary depending on the company you go with. But if you’re responsible and are careful, you shouldn’t see anything higher than national average.

Is Maine an at fault state?

Maine follows the fault system. This means the driver who caused the accident will be responsible for any damages and expenses that happen.