Firstly you will need to take into account what the state of Maine requires. To start with, if you live in Maine it is obligatory for you to have Bodily Injury Liability cover of $50,000 for every injured person, up to $100,000 for each accident. You are also obliged to have a minimum of $25,000 cover for Property Damage Liability.
Maine adheres to the Tort system. This means that there has to be an act of negligence that caused the accident. The insurance company that covers the person at fault will be liable to pay for all damages.
The state of Maine also requires you to have a minimum cover of $1,000 for Medical Payment insurance. This will pay for medical expenses incurred by you or anyone else injured in an accident when driving your car or traveling as a passenger in your car. This insurance will also pay funeral expenses should anyone die in the accident.
The state law in Maine further requires you to have Uninsured/Under-insured Motorist cover of a minimum of $50,000 for each person, up to $100,000 for each accident that results in injury caused by an under-insured or uninsured driver. Not all USA states enforce this.
When asking for quotes, you can inquire about a 'Minimum State Required' policy. Or you may want a policy with more features. You can even specify your own deductible and other limits to suit your needs. If this sounds a bit daunting, you can always contact an online Maine insurance agent for clarification. One way to qualify for the lowest premiums is to have a good driving record.
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