Compare Maine Auto Insurance Quotes for Free!
The easiest way to save money on your Maine car insurance policy is to shop around. CarInQuotes.com can help you get multiple Maine auto insurance quotes in a matter of minutes. Having multiple Maine car insurance quotes mean that you can compare rate so you can get the very best rate that is available to you.
Maine Auto Insurance Law Requirements
Before you can get accurate Maine auto insurance quotes you need to know what the state requires of you as far as car insurance coverage is concerned. Maine car insurance law requires people to have a minimum of $50,000 per person and $100,000 total per accident in Bodily Injury Liability. The state also requires that motorist have at least $25,000 coverage for Property Damage Liability and at least $50,000 per person, $100,000 per accident in Uninsured/Underinsured Motorists coverage. This required insurance is often referred to as 50/100/25 with a 50/100 UM.
Another interesting thing about Maine car insurance is that the state requires something called Medical Payment coverage. This is rather unique because most states do not require this coverage. Medical Payment coverage pays for medical and or funeral expenses for yourself or others injured or killed while riding in your vehicle. You must have at least $1,000 in Medical Payment coverage.
The state of Maine follows a Tort system when it comes to auto accidents. This means that blame is assigned after and accident and the person that is at fault for the accident is responsible for the damages. That means that all claims for damages must be filed with their insurance policy. If you lack adequate Maine car insurance coverage you may end up being sued for additional costs.
Even though maine requires some of the most comprehensive coverage of any state Maine car insurance rates are below the national average. Residents of Maine pay just under $1,500 each year for their car insurance, while the nationwide average is just under $1,800 annually. That said, when requesting Maine auto insurance quotes it is important to remember that individual rates can vary based upon driving record, coverage and even demographic.
Regardless of whether or not you have an existing Maine car insurance policy it is always wise to get up-to-date Maine auto insurance quotes. Rates fluctuate, so what was once the best rate may no longer be. Simply fill in your home zip code, so you can get your comprehensive list of local providers for free.
