Situated within the extreme north-eastern corner of the united states, Maine has an extended history as among the first settled areas within the united states, with European settlers first planting their stakes in 1604. Since that time, Maine is now well-known for its picturesque scene and delectable seafood. Let us have a *appear at Maine auto insurance and what is involved with driving the state’s 47,000 miles of roads and highways.
The Area of Maine follows the majority of states in using the ‘tort’ procedure for car insurance. State law requires that drivers buy a minimum number of coverage in four distinct kinds of auto insurance plan, to ensure that all drivers are economically capable to cover themselves in case of a crash.
Motorists in Maine must buy 000 per individual, per accident, minimum coverage of $ 50 and $ 100, 000 for all events within a accident.
Property Damage Liability insurance covers the expense of repairs to any property that you harm in a collision where you’re the “at fault” party, including harm to other vehicles. The minimal amount of Property Damage Liability coverage one might have in Maine is
$25,000. Uninsured Motorist Bodily Harm insurance acts just like the B.IL insurance described above, except in this instance the plan holder and their passengers are protected when in a crash brought on by a driver who doesn’t have insurance (or who’s underinsured). Like BIL, state law requires that motorists have 000 per individual, per accident, coverage of no less than $ 50 and $ 100, 000 for all events within a accident.
Finally, Medical Payments insurance covers their passengers as well as the insurance policy holder for injury treatment, rehabilitation, funeral or other expenditures associated with a crash, no matter who’s to blame for the mishap. Buying MP insurance keeps you from having to pay out of pocket for all these prices if another driver is not able to pay the whole quantity of the claim. As the BIL minimums are fairly high, the minimal number of MP one must buy is a more acceptable
$1,000. Looking statewide, as of July 2011 motorists in Maine can expect to spend about $1,050 for a year’s worth of car insurance, which is about $90 per month and quite a bit less than the national median automobile insurance rate of $1,440. Those in Maine’s major cities may wind up spending a bit more or a bit less, depending on where they dwell.
$1,418. Maine’s Department of Transportation has set in lots of work with state law enforcement officers and highway patrols to lessen the amount of crashes in the state – and it appears to be working. These figures are well below the fiveyear adjusted averages of 171 fatalities, 784 crashes and 31, respectively. As long since these totals continue their downward tendency, motorists will continue to find decreases in the price of Maine auto insurance.
As you might expect, thanks to its friendly inhabitants and somewhat remote place in the corner of the state Maine has some of the lowest reported vehicle theft numbers in the state. In 2009 only 1,021 vehicles were stolen, giving Maine a speed of 77.4 thefts per 100,000 citizens. These numbers have continued a down trend through the previous decade, beginning with 2001’s total of 1,671 vehicle thefts and dropping every year since that time. With motorists embracing antitheft and vehicle tracking devices at higher rates and policemen keeping a watchful eye on things, Maine’s auto theft numbers will probably continue their plummet. As with the crash totals, continuing downward pressure to the theft numbers will bring further reductions to Maine car insurance premiums.
At 01autoinsurance.com, we consider it should not become a battle to get the very best Maine car insurance rates available, so we have put together a convenient comparison tool to aid drivers in Maine shop for the very best prices, which is free!
Scroll up to the peak of the page and put in your ZIP code in the form to start. Finding the cheapest costs for Maine auto insurance does not get any simpler than this.