Auto Insurance Maine – Having a car and living in Maine requires you to have auto insurance Maine, at least you have to meet the minimum legal requirements. Only then, you can legally drive on the road. If you have just moved to this city, you have thirty days to establish your residency and you have to show the proof of auto insurance to do so.
To learn more about car insurance in Main, this following information will tell you about the requirements, the optional coverage types and discounts availability.
Minim Liability Coverage in Maine
Basically, each driver in Maine is required to carry liability coverage, medical payments, and uninsured/underinsured motorist coverage. You have to meet the minimum liability coverage, consisting of $50,000 for bodily injury or death for each person, $100,000 for totality of bodily injury or death for one accident in case there are more than one people injured, and $25,000 for property damage.
It is not only that since you are required to carry minimum medical payment coverage $20,000. It is used to pay the medical expenses and funeral expenses that are triggered by a car accident covering X-ray, surgical expenses and chiropractic.
When you purchase auto insurance Maine, it is also compulsory for you to carry uninsured motorist coverage. This coverage is used when you become the victim of hit-and-run car accident and the at-fault driver does not have auto insurance.
If you just want to meet the legal requirements, minimum coverage has been sufficient, but in reality, the minimum amounts cannot cover the entire expense in a car accident.
For those points, you need to take into account types of optional coverage that consist of collision coverage (covering all expenses from a car collision with object or car), comprehensive coverage (covering costs regarding with car damaged out of accidents, like theft, fire, floods and vandalism), rental reimbursement coverage, lease coverage and towing and labor coverage.
If you want to be higher liability limits of auto insurance Maine, you are suggested to have an umbrella policy. You will be required to have liability limits consisting of $250,000 per person and $500,000 per accident.
Influential Factors of Car Insurance Rates in Maine
Just like in other states, you will be charged certain rate when purchasing auto insurance in Maine. Either high or low rate is influenced by several factors. An insurance company will evaluate your driving record, location, gender, age, and marital states.
Besides, your previous coverage if you have; the purpose and how often you use your car, your year, model and make of your car and your previous claims.
There are always ways to get low rate of auto insurance Maine. One of them is by getting discounts. There are some qualifications that someone must have. If you are good student having good academic achievements, you may be eligible for the discounts.
Besides, you have to install safety devices in your car to make you eligible. Spare your time and install anti-theft car, air bags and some other safety features. Even though you have to spend amount of money, you will get the benefits in a long term.
Do often travel on the weekend? Well, you may have to arrange your weekend from now to be eligible for the discounts. Insuring all your cars in one company of auto insurance Maine is also good to lower your premiums.
Some companies even offer you great discounts if you carry multiple policies. It means that you need to get one package insurance, like auto and home insurance in one company.
It can be concluded that even though auto insurance Maine can be highly expensive, it seems you have ways to get a lower rate. You can make sure that you have good driving record and being married, the frequency of car usage, and so forth. Otherwise, you have to make yourself eligible for discounts.