Maine Auto Insurance

Posted by Harry Wagner

Are you on a mission to find cheap Maine car insurance? If you recently receive your renewal invoice and you are tired of paying too much for basic coverage, now is the time to enter your zip code in the field above. By entering your zip code and your personal information, you can shop the rates for auto insurance in ME from all of the top auto insurers in the area and find the best policy at the best price. With this advanced tool, comparing Maine auto insurance quotes does not have to be a daunting task.

Maine Car Insurance Requirements and Laws

In Maine, all vehicle owners with a vehicle registered in the state are required to carry insurance. The state’s compulsory auto insurance laws are designed to protect all parties while they are driving on public roadways. Motorists who drive without insurance in the state may face serious consequences for failing to comply with financial responsibility laws. If law enforcement pulls you over and you do not have insurance, each of the following may be enforced:

  • Citation leading to a misdemeanor conviction and fines
  • Suspension of driver license
  • Suspension of vehicle registration or vehicle impoundment
  • Requirement to file SR-22
  • Reinstatement fees
  • Imprisonment for multiple offenses

Obviously, keeping your policy current can help you avoid being assessed these hefty fines and penalties. In the state of Maine, drivers are required to carry liability insurance, medical payments, and uninsured motorist protection. Liability coverage will protect third-party drivers and pedestrians and the remainder will protect the driver and their passengers. The requirements for auto insurance in ME are as follows:

  • Bodily Injury: $50,000 per person
  • Bodily Injury: $100,000 per accident
  • Property Damage: $25,000 per accident
  • Medical Payments: $1000 per person
  • Uninsured Motorist: $50,000 per person
  • Uninsured Motorist: $100,000 per accident

Unlike other states, drivers are required to carry medical payments and uninsured motorist coverage in the state. While these are requirements, the minimum limits are low. You should take time to compare higher limits when you are using the comparison tool above.

Factors That Influence Your Rates in Maine

Some of the factors that influence the cost of auto insurance in Maine are beyond your control. These factors can affect rates throughout the state or in specific cities. The influential factors include:

  • Claims filed in the zip code
  • Fatalities reported
  • Insurance fraud
  • Number of uninsured motorists reported in the state

How to Keep Your Premiums Low

Before you select cheap car insurance in ME, make sure that you take advantage of discounts that will keep your rates low without requiring you to lower your limits. Here are some discounts you may qualify for:

  • Accident-free
  • Multi-line
  • Multi-car
  • Prior insurance
  • Vehicle safety
  • Alarm
  • Low Annual Mileage
  • Defensive driver course

Compare Maine auto insurance quotes without leaving the office or spending hours on the phone with different agents. By using the tool above, you can compare rates on your own schedule and pay lower rates for better more comprehensive coverage.

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