Cheap Maine Auto Insurance

We’ve become a trusted source for those looking for cheap auto insurance in Maine using our free quote tool! Never again will you have to pay for expensive car insurance that’s deficient on coverage yet high on cost? We can change that. We all know that car insurance can be an expensive item, but we offer some of the best quotes available – all from companies that are nothing short of excellent.

Maintaining a good credit score is the not only responsible – it’s vital to obtaining cheap Maine car insurance. Maine allows insurance companies to look at your credit history when determining your risk factors for premium rates. They use this information to determine how often you can pay your premiums and how much your premiums will be. Your payment options can be monthly, quarterly, or semi-annually. If your credit rating isn’t good, you may be asked to pay for either six months or a year of automobile insurance up front. On the other hand, if your credit rating is good, you will have more payment options and your premiums will be lower.

Your driving record will also affect your premiums, and if it’s not up to snuff, you may find it a bit more difficult to obtain cheap auto insurance in Maine, as accidents and another other violations mark a person as a high risk driver. Alternatively, maintaining a clean driving record will reduce your premiums. Furthermore, the area where you live and work, and the miles you put on your car each year along with the volume of traffic in your driving area will also play a factor in your premiums.

Another effective method for obtaining cheap Maine auto insurance involves the type of vehicle you drive. A vehicle with high safety ratings and family vehicles are cheaper to insure than sports cars or vehicles with poor safety ratings. The age of the driver, gender and marital status will also have an effect on premiums. If you have teenage drivers, putting them through an approved driver training course and seeing that they maintain good grades will help to reduce auto insurance premiums.

Driving without a registration or inspection sticker is a Class E crime and the penalties are severe. You could be ordered to appear in court and if the lapse in the registration is more than 150 days, you could serve jail time of 6 months. The lack of an inspection sticker will result in a minimum of $25.00 to $500.00 fine, jail time of 30 days or both. The average insurance premium in Maine as of 2006 is approximately $634.00 and the state is ranked as the 42nd most expensive for insurance premiums in the nation, but even still, everyone has the chance to find something cheap by way of cheap auto insurance in Maine.

Proof of prior insurance coverage can also reduce your premiums – only increasing your chances to receive cheap car insurance in Maine. Of course, this will only help if you left that company in good standing. If you are a first time car owner, the prior insurance issue should not be a factor when seeking auto insurance for the first time. Something else to consider when buying liability insurance is to purchase more than the minimum required by the state. Auto insurance companies may give you a premium break for this. Also, you may find that some of the most stolen cars may play of some importance:

1. 1999 Jeep Cherokee/Grand Cherokee
2. 1986 Chevrolet C/K 1500 Pickup (full size)
3. 1993 Ford Escort
4. 1999 Chevrolet Cavalier
5. 1997 Ford F150
6. 1994GMC C/K 1500 Pickup (full size)
7. 1997 Ford Taurus
8. 1996 Dodge Caravan
9. 1995 Saturn SL
10. 1999 Bombardier Ski Doo (Snowmobile)

In summation, the path to cheap Maine auto insurance is one that has a lot of facets, but even still, one will need both accurate and affordable quotes. We’re a service that has a tradition of bringing the best possible offers to even the most discerning people. Not only is our free quote tool easy to use, it’s also one that can save a substantial sum on your new insurance policy. If you’re looking for a way to save hundreds, if not thousands a year – you’ve found a way!

Useful links:
Maine Division of Motor Vehicles
Maine Division of Insurance
Maine Department of Revenue

Bodily Injury Liability Per Person: $50,000.00 Limit
Bodily Injury Liability Per Accident: $100,000.00 Limit
Property Damage Per Accident: $25,000.00 Limit
Unisured/Underinsured Motorist Bodily Injury: $50,000.00/$100,000.00 Limit
Medical Payments: $1,000.00 Limit

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