Car Insurance in York, ME

York, ME is located near the southern tip of the state. It was founded in 1642 and is one of the oldest towns in Maine. York is a popular summer resort town with beautiful beaches, numerous golf courses, and historical sights, and it has a population of over 13,000 residents. 

Even the most careful drivers in York can be involved in traffic accidents. And if you cause an accident, you’re financially responsible for any damage done to other vehicles or any injuries that result. With a responsive car insurance policy, you can feel more secure as you go about your life in York, ME. 

An independent insurance agent can help you compare multiple quotes for car insurance in York, ME.

What Does Car Insurance Cover in York, ME?

A car insurance policy in York, ME will have several different types of coverage. First, all car insurance policies in Maine must have a minimum amount of liability coverage as required by law.

• Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damage, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you.
• Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued.

Maine law also requires all car owners to have uninsured and underinsured motorist coverage and medical payments coverage:

• Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
• Medical payments coverage (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.

In addition to the coverage required by law, there are several optional types of coverage that you can choose from, depending on your needs and your budget. These include:

• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Roadside assistance coverage (or towing and labor coverage): Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed and will reimburse you for the costs of these services up to certain limits.
• Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
• Loan/lease or gap coverage: This pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent can help you decide which coverage offers the best protection for your needs.

How Much Does Car Insurance Cost in York, ME?

Maine is the 51st most expensive state for car insurance, with the most affordable car insurance on average in the nation. But no matter where you live in Maine, you’ll still want to shop around for the best rate and take advantage of any car insurance discounts you can qualify for. 

• National average annual car insurance cost: $1,311
• Maine annual car insurance cost: $805

Your car insurance costs are based on your unique characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day. 

Ultimately, insurance companies base your premiums on how big of a risk you are to insure. Young drivers, for example, are less experienced behind the wheel and are considered to be riskier than older, more experienced drivers. Teens and young adults should always expect to pay more for car insurance than older drivers.

A local independent insurance agent can help you evaluate multiple policy options to ensure you pick the right mix of coverage for your needs. 

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Is Car Insurance Required in York, ME?

Maine law establishes a minimum amount of auto insurance that every vehicle owner in the state must have. The following are the minimum coverage requirements for car owners in York, ME:  

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Required 
• Uninsured motorist coverage: Required
• Underinsured motorist coverage: Required
• Minimum liability limits: 50/100/25; $50,000 per person/$100,000 per accident for bodily injury, and $25,000 for property damage.

Auto liability coverage, which pays for car repairs and medical bills for other drivers if you cause an accident, is required for all drivers in Maine. But the costs of a serious accident can easily surpass the minimum liability insurance limits required by the state.

If you don’t have enough coverage, you’ll have to pay out-of-pocket for all of the expenses that exceed your policy limits. And if you’re sued for additional damage, you may have difficulty covering the costs.

Your independent insurance agent can help you determine which coverage limits are sufficient to best protect your family. 

What Are the Best Car Insurance Companies in York, ME?

Finding the best car insurance companies in York, ME can be simple. A local independent insurance agent can help you get car insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in York, ME?

Instead of getting an online quote, find an independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.