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The average auto insurance premium for residents in Maine is $730 in 2003; the national average was at $914. Since most people think these maine auto insurance rates are fixed by state and maine car insurance companies, they never shop around for better maine auto insurance rates. Our site helps you find the cheapest maine automobile insurance quotes and discounted prices available in Maine, so average Mainers can get a better-than-average low auto insurance rate.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident for which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Maine requires a minimum of 50/100/25 liability coverage. The first number is the amount that maine auto insurance will cover for any one person ($50,000). The second number is the total amount maine auto insurance will
pay for all persons injured in an accident.
Maine law requires that you buy liability insurance and uninsured
motorists coverage. Under Maine's auto insurance laws, you cannot register your
vehicle unless you show proof that you have this minimum amount of maine auto insurance. There is also a mandatory $1,000 medical payments coverage that is required.
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (50/100/25) tells you how much your maine auto insurance will cover for property
damage in any one accident.
When calculating your maine automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your maine auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your maine auto insurance rate as well as the driving record of any family members covered under your maine auto insurance policy.
Maine car insurance rates also change over the years, if you are not careful you could end up paying too much for your auto insurance premium. Looking back, the average maine auto insurance premium in 2000 was about $600, an increase of about 21.67% in just 3 years!
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. This coverage basically replaces the insurance the other driver should have bought but did not. Maine's auto insurance laws requires that you have uninsured motorist coverage
equal the amount of liability that you have on your maine auto insurance policy, unless you specifically
elect to buy uninsured motor vehicle coverage with lower limits of liability
for bodily injury or death.
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