You can get discounts on auto insurance in Maine depending on how you drive, the car you own, and your relationship with your insurance company. In Maine, auto insurance companies may consider factors such as employment, residence and marital status when setting premiums. That means that discounts are also available for being married, owning a home, or being affiliated with certain employers or educational institutions. State Farm offers the highest percentage discount for combining home and auto insurance in Maine, at about 22% per year.
By contrast, Travelers only offers a discount of approximately 5% on a housing and car package. Maine drivers should learn about all available discounts. Your premiums can receive a significant discount if you take advantage of the obvious and not-so-obvious discounts available. Car insurance is a major purchase, but finding cheap auto insurance in Maine isn't always easy.
Combining home and car insurance from a single provider can be a great option for ease and cost savings, but it may not always be the best option. Driving without insurance doesn't completely deny the other driver's fault, but you'll almost certainly be penalized and you won't be able to recover everything you would be entitled to if you had insurance. Some quotes from carriers or agents will be presented as less expensive simply because certain benefits have been eliminated. Penalties for uninsured driving in Maine include fines and the suspension of the license and registration.
Since insurers base their premiums on the details of your property and your driving history, you may be able to find a cheaper option. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. It'll be easier to access your account information and you'll only have to pay an insurance provider. Your citation may be dismissed if you can provide the court with proof that you have valid insurance by the date of the subpoena within 30 days.
Whether you need an assigned risk program or you continue to qualify for high-risk insurance from conventional providers, you'll pay more. If you need help finding the cheapest car insurance in Maine, use NerdWallet's car insurance comparison tool to compare auto insurance rates. Finding the best car insurance in Maine is based on numerous factors, such as customer service ratings, the company's financial stability, and coverage options and rates. If you have an accident while driving without insurance in Maine, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault.
