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On average, drivers in Maine pay just $805 per year for their car insurance. This is significantly lower than the national average cost of $1,311 per year and makes Maine one of the least expensive states for buying automotive coverage.
As a vehicle owner in Maine, you can find the best rates by comparison shopping with a local independent insurance agent. These agents can help you by obtaining customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price.
Accidents can happen to even the most careful and experienced drivers. This is especially true when road conditions are hazardous, such as following a winter snowfall or during a torrential rainstorm.
If you are involved in a collision, here are a few things your Maine auto insurance can do to help.
You can also opt to include other optional coverage with your car insurance policy such as:
Maine is an at-fault, or “tort” state. This means that the driver who caused the accident is responsible for covering the cost of damage and medical care.
If you are caught driving without insurance in Maine, you can face of fine of between $100 and $500 and have your driving privileges suspended until you submit proof of insurance by filing an SR-22, which you will need to maintain for three years. Also, you will need to pay about $100 in fees in order to get your driving privileges reinstated.
In this state, approximately 4.5% of all drivers are operating uninsured vehicles. The good news is that this rate is significantly lower than the national average of 13.0%.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. If you are in an accident and the at-fault driver is uninsured, underinsured, or a hit-and-run driver, this mandatory coverage can pay for your medical expenses and, if you include the optional uninsured property damage coverage, damage to your vehicle as well.
Once your insurance company reimburses you for your losses, it will take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver, and will absorb the costs if unsuccessful.
When it comes to car insurance, there is no such thing as a company that is best for everyone.
The policy that may work best for someone with a long, safe driving history may not be the ideal choice for someone with a lot of moving violations on their record. Likewise, an elderly couple may find the best rates with one company while a middle-aged couple with teen drivers in their household may find a competing company to offer a better value.
That is why independent insurance agents do not limit their search to one company. They can obtain customized quotes from a variety of reliable insurers to help you find the policy that is best for you.
Yes! There are currently 165 independent insurance agents in Maine who are ready to help.
These experienced agents are free to work with several top-rated insurance providers to help you find the best rate for auto coverage. That way, you can be certain that you are buying a great policy at a competitive price.
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
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