Maine is known as “Vacationland,” and it’s certainly earned the title. Every year, visitors from all around the world travel to this state to enjoy the ocean, the mountains, and the outdoor activities that go with each. Whether you want to take a drive up the coast and eat lobsters or rent a cabin in the woods and ride horses, Maine certainly has something for everyone.
But even when you live in “Vacationland,” there are daily responsibilities that must also be handled. If you own a home or a car, you have to ensure that necessary maintenance is performed and insurance is purchased. You have to invest in your health by eating well, staying active and purchasing health insurance. But where do you find an affordable policy that still provides you with comprehensive coverage?
Let an independent agent in the Trusted Choice® network help you with all your insurance needs. There are 165 independent agents here, and each of these agents can compare multiple Maine insurance quotes to find a policy that works for you. Maine is in the top 10 for agent-to-population ratio, so finding an independent agent might be easier than you think. If you’re seeking insurance coverage that meets your needs and budget, contact an independent agent today.
When it comes to insurance, there are two types of agents: captive and independent.
Captive agents work for well-known insurance companies. You’ll see their ads on television and in newspapers, and while they claim to offer low prices and discounts, the only items available for purchase are their own products.
Independent agents, on the other hand, have the ability to work with multiple insurance companies. Independent agents focus on finding the best prices for you by comparing multiple Maine insurance quotes and then letting you make the ultimate decision. You'll have the ability to look at quotes from several top-rated companies before you buy.
Who would you rather work with?
When you work with an independent agent, you can be sure that your needs come first. Captive agents are focused on selling products, and their performance is measured by their ability to push certain policies. Independent agents are more concerned with finding the right coverage for your personal needs. Whether you need insurance for your home, your health, your car, or even your rental unit, an independent agent is the ultimate resource.
Driving up the coast during fall is a wonderful activity for anyone, but just make sure that you’ve got Maine car insurance to meet state law requirements and keep your finances safe. Finding the right coverage for the risks you face might take some research.
If you aren’t sure how much extra coverage to purchase, consider working with an independent agent in the Trusted Choice network. An independent agent can help you decide what types of policies will provide you with the most protection by looking at how often you drive, who drives in your family, what kind of car you have, and other important considerations.
Maine state law requires that you prove financial responsibility, which can be done in a variety of ways, although purchasing liability insurance is the most common solution that drivers here choose. You can prove financial responsibility by:
If you decide to purchase liability insurance, there are certain limits you must purchase to stay within the legal coverage range. They are:
Of course, it’s highly recommended that you purchase more than the legal limit when it comes to liability insurance, and it’s also recommended that you purchase additional coverage types. Other options may include:
To get personalized Maine car insurance at an affordable rate, contact an independent agent.
Whether you own a seaside café, a large corporation, or your own chiropractic practice, you need business insurance to cover the daily risks of running a company. When you work with an independent agent in the Trusted Choice network, you’ll be asked specific questions about your business, such as:
Based on this information, your independent agent can suggest specific policies that would best cover your risks. For example, a seaside café may need business interruption insurance if a freak storm forces closure for several weeks. On the other hand, a chiropractic practice located in the middle of the state might not need business interruption as much as it needs comprehensive liability protection.
An independent agent can help you develop a solid insurance plan for your business. Even if your package of insurance is made up of policies from several different insurers, you’ll only have to work with your independent agent to make policy changes. You'll have flexibility and support when you work with a member agent.
If you have a home, dependents, investments, and other assets, it’s likely that you need some form of life insurance. Traditionally, primary income earners would purchase a life insurance policy, but it’s not necessarily a monetarily-motivated decision. If you’re the main caregiver for children, your sudden death could leave your family in a financial bind.
Life insurance in its most basic form is meant to provide financial protection to your dependents and family members in the event of your death. There are two forms of Maine life insurance:
If you’re feeling overwhelmed by the details of Maine life insurance, don’t stress too much. Instead, let an independent agent help you decide which policy is best for you and your family.
While many Maine residents secure health insurance through employers, you may be surprised to learn that it might be less expensive when purchased through an independent agent. No matter where you get your Maine health insurance from, it can be a confusing process. There are a variety of plans available and choosing the right one can be fairly complicated.
If you’re looking for ultimate flexibility in your healthcare needs, a Point of Service (POS) plan might work. But, if you’re searching for an affordable plan, an HMO could be better. There are lots of other options as well, such as a Health Savings Account (HSA) or state subsidized healthcare options, all of which an independent agent can help you evaluate. Your independent agent can answer any questions and help assess your personal needs to ensure that the plan you end up with is the right plan for you.
With the implementation of the Affordable Care Act, the Maine state health exchange will be appearing soon, which just adds another layer of health insurance information. Start your search early and contact an independent agent in the Trusted Choice network.
Whether you live in traditional, site built house, a semi-detached home, a mobile home, or a condominium, the right homeowners insurance can protect you from a variety of risks. Maine homeowners insurance doesn’t just protect your home, it also protects your personal belongings and liability. Let an independent agent help you assess the value of your home and recommend accurate coverage limits.
A standard Maine homeowner’s policy will have the following forms of coverage:
Flooding is a common catastrophe in Maine, isn’t covered by your homeowners insurance in most cases. An independent agent can help you close any coverage gaps in your Maine homeowner’s insurance policy.
Although it’s not required, Maine snowmobile insurance is essential if you enjoy this exciting pastime. Snowmobiles are a great way to get around, and Maine caters to snowmobilers with almost 14,000 miles of trails. Over 100,000 people actively snowmobile every winter, which increases your chances for an accident. Maine snowmobile insurance can protect you if you’re injured or your snowmobile is damaged.
It works in a similar fashion to standard car insurance. You can purchase liability coverage, but this won't cover any damage to your sled or any medical payments you may have to make for your injuries or those of your passengers. If you want more comprehensive coverage, you will need to purchase additional policies. Snowmobiles are expensive pieces of machinery and can cost a pretty penny to repair. If you have insurance, those repairs will likely be covered.
In Maine, you can secure a snowmobile policy that covers multiple drivers, so your entire family can be protected. If you want to find affordable Maine snowmobile insurance, contact an independent agent. Your independent agent can compare multiple snowmobile policies to find one that covers your snowmobile all season long.
Whether you need one policy or multiple policies, an independent agent in the Trusted Choice network can provide complete coverage assistance. There are over 150 agents in Maine ready to help you, so you can get your needs met in a timely and professional manner.
If you just need someone to answer your questions, an independent agent can help. If you need someone to perform Maine insurance quote comparisons, an independent agent can help. No matter what your insurance needs are, be confident that when you work with a Trusted Choice independent agent, you’re getting only the best. Take a few moments to contact a local independent agent right in your area today.