Maine Car Insurance Calculator The state of Maine requires drivers to have auto insurance. This helps cover other drivers’ medical bills and property damage from accidents caused by you, and protects you if your vehicle is stolen or damaged by acts of nature. Although minimum levels are mandated by law, you may wish to consider buying additional coverage such as collision and comprehensive.
Your best chance at lowering rates is maintaining a clean driving record and remaining claims-free for three to five years, along with signing up for autopay and paperless billing, bundling your auto and homeowners policies together, adding anti-theft or roadside assistance, or choosing coverages which are nice-to-have but unnecessary, such as rental car reimbursement and uninsured/underinsured motorist bodily injury protection coverages. You could also opt out of coverages that are nice-to-have but non-essential; these savings could help lower premiums considerably! Other ways include signing up for autopay and paperless billing, bundling your auto and homeowners policies together, bundling auto/homeowner policies together as well as opting-in/paperless billing or paperless billing as well as opting out coverages such as rental car reimbursement coverages which would help to cut premium costs significantly such as uninsured/underinsured motorist bodily injury coverages to eliminate coverages which are nice-to-haves but not necessary like rental car reimbursement coverages such as uninsured/underinsured motorist bodily injury coverages that come into play by opting-in autopay/paperless billing/paperless billing, bunding both auto/homeowner policies together, bunding them together bundled insurance policies together reducing premium costs by bunding them together while bunding both policies into one policy bundle pricing when bunding them together or opting out coverages to exclude such things like rental car reimbursement coverages/underinsured motorist coverages not necessary or added ones such as rental car reimbursement coverage/underinsured/underinsured/underinsure/underinsure/underinsure/underinsure/underinsure/insure/roadside assistance coverage together, bunding and roadside assistance and bunding them together or adding anti-t or roadside assistance packages together or adding anti-tacking or unins to bundle/inc etc bundled policies/ roadside assistance etc v/underin/bod/underinsure/bod insurance policies etc excluding coverage as needed coverages needed into policies etc… etc v etc…… etc, unin/bodly motorist bodily coverage as optional options which don’s should have. underinsure /underinsure/underinsure coveragess like coverage as needed but optional such coverages/ underin/insure /underinin coverages when needed by bunn/inv coverage etc etc or by adding anti v… etc coverage (in/underin or underin insured/underin n, under/or adding anti /unders etc).. etc… / underinin/under.. etc… etc….
Age can have a dramatic impact on your auto insurance rates. Younger drivers are more likely to get into accidents than older ones, increasing the risk of claims-payout. Therefore, young drivers usually pay more for car insurance. GEICO does offer good student discounts for teens with exceptional academic records who maintain satisfactory grades.
Your car type can also impact Maine auto insurance rates. Sports cars, luxury vehicles and large trucks tend to cost more than four-door sedans for coverage; also certain models like SRXs account for more claims than any others (and therefore can lead to higher rates of losses).
Your credit score can have an enormous impact on the cost of car insurance premiums. Insurance providers see drivers with poor credit as high-risk individuals who are more likely to file claims; in fact, having low credit may increase rates 83% more compared to drivers with good scores.
As part of being a safe and responsible driver, another way to decrease Maine auto insurance premiums is taking a defensive driving course. These classes are provided by most providers and typically take between five to six hours to complete; additionally they could result in three-point credits on your driving record which further helps decrease premiums.
Save on car insurance in Maine by raising your deductible and decreasing coverage limits, which could save up to $200 annually on premiums. It is important to remember, though, that the higher your deductible is, the more out-of-pocket payments you may need to make should an accident occur.
As a final strategy to lower car insurance rates in Maine, shopping quotes from multiple providers is another effective strategy to do just that. A licensed broker such as Jerry can offer end-to-end support in finding you affordable plans at every renewal date; plus you can use our free online tool to quickly compare them all!