Maine Auto Insurance Quotes

What Information Do I Need to Get a Free Auto Insurance Quote in Maine?

Obtaining premium quotations are very useful when comparing different auto insurance companies. We provide you with up to 10 free quotes from the most competitve insurance companies in Maine for you to compare rates, discounts, and coverage. You’ll want to make sure you provide the same information to each company to get a fair comparison.

Insurance companies look at many factors when they set the price you pay for insurance. Your premium is largely affected by your driving record; where you live; your age; your marital status; how much you drive; age, make, and model of your car; and your automobiles safety features, among other factors. Below are details for each of these factors.

Driving Record:

Insurers will ask any details about prior accidents or traffic violations within the past three to five years. Drivers that have at-fault accidents or violations within that period are considered to be a higher risk and could be charged a higher premium. Note that it’s illegal to give false or misleading information to the insurance company.

Territory / Location:

Depending where you live can affect your insurance rates. This is based on the claims experience of people in your area. Costs can dramatically increase being in a urban area as opposed to a rural area. Insurers know from experience that more claims are made from city areas than the country because of busy traffic, thefts, vandalism, etc. Some applications include a question that asks for the address where the vehicle will be garaged. From this information insurers can tell a great deal about your risk of financial loss.

Gender and Age:

Studies show that females still have less accidents than males. For that reason, young men may tend to pay more for insurance than young women. Insurers also have statistics that show a higher number of claims for some age groups than for others.

Marital Status:

You can pay less on your car insurance if you’re married. Insurance company claims records show a lower rate of insurance claims among married policyholders.

Prior Insurance Coverage:

If have had insurance before, many companies want to know about your prior comapny and any claims you had with them. This includes cancelled policies for non-payment.

Vehicle Use:

On the insurance application you will be asked about how often and far you drive the vehicle you want to insure. Higher annual mileage can lead to higher premiums because there is more exposure for claims. Basically the more you are on the road, the higher the risk of getting in an accident or as little as cracking your windshield.

Make and Model of the Vehicle:

The make and year of vehicle you drive will directly affect the cost of your automobile insurance. A vehicle that has a high number of claims or repair costs will be charged a higher premium for collision and comprehensive coverage.

Licensed Drivers in Your Household:

You will be asked to list all licensed drivers in the household except for those with a learner’s permit.

Claim History:

The application will ask you to list any auto claims that you had within the past 3-5 years.

Credit History:

A company may also request your credit history to decide whether to issue a policy or use your credit history to determine the premium to charge. If an insurer makes an unfavorable underwriting decision based on your credit history, they must tell you how you can request a copy of your credit report. It’s important to make sure this information is right when you receive your report and correct any mistakes you might have found.