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Maine Car Insurance Information
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The value of good car insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have Maine car insurance coverage you can count on. |
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Let one of our experienced Maine car insurance policy specialists
explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck, ATV, and car insurance policies from a leader in the insurance industry. |
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Click on the link below to fill out a quote request form for a
Maine Car Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or speak with our Maine Car Insurance agent specialist at 207-496-3661 to discuss the policy features in more detail. |
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Covers damage caused to the insured's car (your car) from risks
such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the car insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the car insurance policy. |
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We are your local Aroostook County, Maine full-service insurance
agency, offering affordable Maine Car Insurance policy premiums to residents of the following towns and counties: Caribou, Presque Isle, Van Buren, Houlton, Perham, Washburn, Crouseville, Mapleton, Fort Fairfield, Ashland, New Sweden, Portage, Limestone, Mars Hill, Bridgewater, Easton, Blaine, Guerette, Keegan, St. Agatha, Grand Isle, Fort Kent, Madawaska, St. John, St. Francis, Dickey, Clayton Lake, Allagash, Winterville, Knowles Corner, Smyrna Mills, Littleton, Ludlow, Millinocket, Bangor, Waterville, Pittsfield, Augusta, Auburn, Lewiston, Bar Harbor, Ellsworth, Belfast, Bucksport, Bath, Portland, Saco, Biddeford, Penobscot County, Piscataquis County, Somerset County, Washington County, and Cumberland County, ME. |
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Learn more about Maine Car Insurance
policy coverage options below! |
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Covers damage caused to the owners car from a collision
caused by another car or other object. The deductible is the amount you choose to pay upfront (if any) before the car insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the car insurance policy. |
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Maine Car Insurance Policy FAQ
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Maine Car Insurance Policy FAQ
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Maine Car Insurance Policy FAQ
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part
of a car insurance policy. Maine's minimum liability insurance coverage requirements are 50/100/25 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums required by Maine law. Contact us at 207- 496-3661 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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Liability limits explanation:
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50/100/25 50=$50,000 - 100=$100,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in
an accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
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Maine Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such
as a motorcycle, car, truck, fence, or house, is covered through property damage car insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. |
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Benefits Provided Include:
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Medical benefits for all reasonable expenses for necessary medical,
surgical, x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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Necessary remedial treatment (nursing home care or home nursing care).
Disability benefits for any loss of gross income and loss of earning capacity
from inability to work because of an injury suffered in an accident. |
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Maine Car Insurance Policy FAQ
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Maine Car Insurance Policy FAQ
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Maine does not require "no-fault" car insurance coverage. This coverage
pays medical bills for injuries suffered in a car accident regardless of who caused the accident. |
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Medical payments coverage pays for the medical and funeral expenses for
you or others hurt or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is a required for Maine Car Insurance and your insurance policy must have a minimum of $1,000 of medical payments coverage. |
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Maine Car Insurance Policy FAQ
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50/100 50=$50,000 - 100=$100,000
First number = uninsured motorist maximum for one person injured in
an accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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Example of uninsured motorist limits:
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Covers the insured (you) for your bodily injury caused by a hit-and-run
driver or an at-fault driver who has no car liability insurance. This is required for Car Insurance in Maine. Maine's minimum uninsured motorist insurance coverage requirements are 50/100 and is explained in detail below. Contact us at 207-496-3661 to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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Maine Car Insurance Policy FAQ
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This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages. |
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Protects you if your car is damaged in an accident caused by a driver who
has insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in Maine. |
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This type of car insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The car insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required coverage in Maine. |
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Underinsured Motorist Bodily Injury Coverage
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Underinsured Motorist Property Damage Coverage
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Click on the link below to fill out a quote request form for a Maine Car
Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our Maine Car Insurance agent specialist at 207-496-3661 to discuss the policy features in more detail. |
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Maine Car & Business
Insurance Specialists
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Kieffer Insurance
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Proudly Serving
Maine since 1926!
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Copyright 2004-2010 Kieffer Insurance - All rights reserved
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Website Built & Maintained by InsuranceWebsiteServices.com
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"The County's Trusted Choice"
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Kieffer Insurance
101 High Street
Caribou, Maine 04736
Aroostook County, ME
(207) 496-3661
Fax: (207) 498-6012
Office Hours: 7:30 am to
5:00 pm, Mon - Fri |
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Car
Insurance
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Having a teenager included on your auto insurance policy will always
cost substantially more, but there are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety
features. Teenager's are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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Make sure your teen drives safely. One speeding ticket or fender-bender
can send your teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your
teenager's auto insurance if a "B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring
them will decrease as they get older. |
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Auto Insurance endorsements are policy extras for services such as
towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many
drivers choose these services for the added security and convenience they provide. |
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State of Maine Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired
because of a covered event. |
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Maine Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem
(roadside). This policy is often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Maine Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any
broken window on your car is required. |
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Maine Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are
given by the insurance agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder
of your policy, it will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of
a claim situation. Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return
for the payment of your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances
that would free the insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts
the insurance company from having to pay in the case of intentionally caused damage or injury. |
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If you have an older car, you can lower your Maine auto insurance
premium by reducing or dropping your collision or comprehensive coverages. Cars being sold today are much more costly to repair, just ask your auto mechanic the next time you see him. If you damage your older car in a car accident, it's likely that your repair costs will be lower than those for a newer car with similar damage. The amount of Maine auto insurance premium that goes toward that coverage option is only slightly reduced for older cars than for newer ones. You can usually save some premium by taking on a small amount of risk. |
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Lower Auto Insurance Premium - Increase Your Deductibles
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Auto insurance premiums are based on the amount of coverage you
have, and the deductible you must pay before an insurance claim is paid. Auto insurance deductibles usually range between $100 and $1,000. A lower deductible raises the premium amount, and a higher deductible will lower your monthly Maine auto insurance premium.
You should consider setting your deductible at an amount that you
are comfortable with. Determine the amount that you could afford to spend on your car in any given month if you had an accident. The amount that won't prevent you from paying all your bills is a good amount for an auto insurance deductible.
Remember though, if you have an car accident, the deductible
you've chosen must be paid before the insurance company will pay for your repairs, and there can be hidden costs in a car accident. For example, your Maine auto insurance policy may not pay the cost of a rental car while your car is being repaired. |
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Low-Mileage Discounts
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The more miles you drive, the greater the chances of being
involved in an accident. Most auto insurance companies offer discounts to drivers who keep the number of miles they drive each year under 10,000 to 12,000 miles. |
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Moving Violations
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Most automobile insurance companies provide discounts to drivers
who have not had a moving violation in the past 3 years. Insurance companies consider speeding tickets and accidents the most serious moving violations which have an impact on your Maine auto insurance premiums.
Review your driving record prior to shopping for Maine auto
insurance. You may want to consider holding off on buying new auto insurance if you have a moving violation which can be removed from your records within a short period of time. |
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Reduce Auto Insurance Premium - Fewer Accidents
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Auto insurance companies want to insure the best drivers. Safer
drivers have fewer accidents, fewer speeding tickets, and make fewer claims. Every time you are involved in an auto accident or a moving violation, the state where you are licensed assesses points to your driving record. Auto insurance companies limit their risk exposure by charging higher premiums to drivers who have more points on their driving records. Convictions of driving under the influence of drugs or alcohol is often viewed as much more serious than a speeding ticket or a car accident by insurance carriers.
If you think that you apply for good driver rates, be sure to ask
companies when you are shopping for auto insurance what their "good driver" discounts are. Compare that price to the good driver rates of other companies, to help determine what the best Maine auto insurance policy is for you and your family. |
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Reduce Auto Insurance Premium - Anti-Lock Brakes
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Anti-lock braking systems help prevent car accidents by shortening
stopping distances on wet and dry surfaces. Most car brakes without anti-locking mechanisms will lock if the driver slams the brake pedal, which can cause hydroplaning in wet conditions or skidding on dry surfaces. The proper way to avoid this is to pump the brakes. People are limited in the speed with which they can pump a brake pedal, so anti-lock brakes do the pumping for you and improve safety.
Auto insurance companies want to reduce the chance that their
policy holders will have a car accident. The auto insurance discounts offered are another incentive to buy cars equipped with anti- locking brakes. |
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Multiple Insurance Policy Discount
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Many auto insurance companies will offer lower premiums if you
have multiple insurance policies with the same company, or multiple vehicles insured under the same policy. This works differently depending on which specific insurance company you are dealing with.
Insurance companies will offer discounts if you purchase a
homeowners insurance policy or an umbrella insurance policy to go along with your Maine auto insurance policy. |
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Click on the link below to fill out a quote request form for a Maine
Car Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our Maine Car Insurance agent specialist at 207-496-3661 to discuss the policy features in more detail. |