Drivers in Maine are required by law to have three types of coverage when it comes to car insurance.
They must have liability coverage, uninsured motorist coverage and medical payments coverage.
Anyone caught driving without car insurance faces stiff penalties.
A person looking for car insurance is going to want to find a policy that offers the protection they feel comfortable with, at a good price.
Finding affordable car insurance in Maine just takes some research.
Contacting several different insurance companies to get quotes should be the first thing on the do to list.
When asking for quotes, it's important to be clear about what type of coverage you feel you need.
Although you will be required to buy the minimum amounts, most drivers want more than that.
This is particularly true for drivers in Maine who have a late model car.
It can be expensive to repair or replace a new car, so it's important to have a policy that offers coverage for all incidents.
Collision and comprehensive coverage should be part of an insurance policy on a new car.
This will protect the car in the event it's damaged in an accident, by fire or if it's stolen.
This insurance is expensive though and for someone looking for affordable car insurance in Maine, they may decide to decline it just to save money.
This isn't advisable and in fact, if the car was purchased through a loan, the lender will almost always require proof of this type of coverage.
If you don't supply it, they may actually purchase it for you and then charge you the cost.
A much better idea is to raise the level of the deductible.
Since the majority of car insurance companies offer quotes based on a low deductible, raising it causes the premium to drop.
This is an easier way to make car insurance more affordable.