In United States, auto insurance with the least amount of coverage is mandatory for all commercial and personal vehicles. The specifics, however may vary from state to state and the drivers must seek the applicable regulations as per the state law When compared to many other states, Maine has higher liability limit laws for automobile insurance and requires all drivers to have adequate coverage if they want to drive on Maine roads. Cheap car insurance in Maine comes with many options and it is utmost important for all the drivers to understand thoroughly before buying it.
The state law of Maine requires all the licensed drivers in the state to carry three types of auto insurance - collision, liability and uninsured motorist coverage. To drive legally in that state, the drivers must hold higher liability limits such as $50,000 for bodily injury per person, $100,000 when more than one person is involved in an accident and $25,000 is for property damage liability. As per the state insurance law, medical payment coverage is also mandatory for all the drivers which pays out for the medical and funeral expenses when hurt or killed in an accident.
· Each driver is unique in his or her auto coverage needs and many factors like age, gender, marital status, location, previous driving records etc affect the premium amounts. On the other hand, drivers most likely have their insurance policies either underinsured or over insured. Therefore, it is always good to review the existing insurance policy as per the state requirements and approach a right provider with cheap car insurance in Maine for affordable amounts.
· The key to getting cheap car insurance in Maine is doing lots of research and comparing the quotes from different providers. Special discounts may be provided for drivers without accidents in their driving records, teen drivers with high grades, cars that are equipped with theft protection devices and safety features like such as side and rear airbags etc.