Affordable Car Insurance Auto Insurance in Maine - Compare Rates

The Pine Tree State has almost 230 miles of coastline which means beaches, fishing and a whole lot of fun. But before you get your car out make sure that you buy adequate insurance to avoid any problems with the law.

For buying insurance it is essential that you understand what exactly is mandated by the law and then you can make buy other options according to your needs.

Mandatory Coverages

Maine law necessitates every vehicle owner or operator to carry the following coverages:
1. Liability insurance coverage
2. Uninsured motorists coverage
3. Medical payments coverage

1. Liability Insurance Coverage
>> Bodily Injury Liability Coverage
1> This coverage will help you pay for the injuries that you cause to others while driving. It will also cover any legal expenses that you may incur when a victim decides to sue you.
2> To satisfy the financial responsibility you must buy a minimum of $50,000 for the injury to or death of any one person; $100,000 for one accident resulting in injury to or death of more than one person.
>> Property Damage Liability Coverage
1> This coverage will pay for any damages that you cause to property of others. The minimum coverage that is required is $25,000
2> The basic coverage is usually called as $50/100/25.
3> In case you don't want to buy these policies separately then you can also go in for a combined single limit (for bodily injury and property damage liability) of $125,000

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2. Uninsured/Underinsured Motorists Coverage
>> This coverage protects you when you are injured by someone who has no insurance or has inadequate insurance to cover for your losses. This coverage will also pay if you are injured by a hit-and-run driver.
>> The minimum amount of uninsured motorist coverage that you must buy is $50,000 per person and $100,000 per accident.

3. Medical Payments Coverage
>> This coverage pays for the medical and funeral expenses incurred by you or your passengers.
>> It will include claims against all "reasonable" hospital, surgical, professional nursing and funeral expenses.
>> According to the law, you must have at least $2,000 in medical payments coverage.

Optional Coverages

Other than the mandatory insurance, you can also buy collision coverage which covers any damages to your car caused due to a collision.

You also have another option of buying comprehensive coverage which will help you to pay for the damages caused by causes other than a collision. It will include damage due to fire, arson, vandalism, impact due to animals etc.

The optional coverages are expensive but are extremely necessary when it comes to protection of your car. You can lower insurance rates on them by going for a higher deductible.

When you buy insurance make sure that you use internet. It will help you save a lot of time and also aid in comparing insurance rates of several companies.

If you maintain a good driving record then probably you will have to pay less. But in case you have received several tickets then you need to be careful while driving. A bad driving record will increase your insurance rates. If you are a bad driver then you must go in for the driver's education program as this will help you reduce your premium.

Don't forget to ask for discounts. A number of discounts can be availed by you that will reduce your insurance rates greatly.

So go ahead and buy yourself the insurance coverage. It is always better to be safe and protected.

Luck runs out but safety is good for life!!!

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