Looking for auto insurance in Maine? Well, you’ve come to the right place, since we have offices in ten towns. Additionally, we can also quote your insurance online no matter where in Maine you live. Our auto insurance coverage includes:
- Collision coverage
- Liability coverage
- Comprehensive coverage
- Young driver insurance
- Mature driver insurance
- Medical payments coverage
- Rental reimbursement coverage
- Personal umbrella policy
- Uninsured & underinsured motorist coverage
- Towing and labor coverage
- Gap insurance
- Sound system coverage
We can do better than “cheap” car insurance. Here are three things that affect your auto insurance premium:
It’s not a secret family recipe, but your auto insurance cost does include three unique ingredients: you, your car, and your coverage. These three factors determine the risk and cost. In turn, that risk and cost shapes your premium.
First, “You” includes all who are covered under your auto policy. Your insurance carrier considers your driving record, age, and gender. Those with clean driving records generally pay lower premiums. As for age and gender, statistics show that women get into fewer accidents and younger, inexperienced drivers get into more. As a result, adolescent males typically pay higher premiums than 30-something females.
Next, what is the price tag on your vehicle? Will it be expensive to repair if damaged? Some cars cost more to repair than others, so cars with less expensive repairs often have a lower premium. How much you drive your car also matters. So, the more you’re on the road, the more likely you are to have an accident. Similarly, where you drive the vehicle also affects your coverage cost. Highly populated areas experience more fender benders and theft.
Finally, the last ingredient is the amount and type of coverage you prefer. While some coverage is mandatory in certain regions, you typically have a lot of say about how this ingredient is mixed into the recipe. Many coverages, such as collision and comprehensive, are optional. You can also decide what level of deductible to carry on your policy. So, the decisions you make about coverage will affect the final total of your premium.
For details about insuring your motorcycle, boat, snowmobile, or RV, visit our recreation page.
Also, to find out more about our services, please contact us at 877-960-1457. In addition, you can get a free quote by filling out our “Get a Quote” form above. Additionally, we even have agents available to chat live here on our website during regular office hours.