Maine requires drivers to have liability car insurance coverage, uninsured motorist coverage and medical payments coverage. These are requirements for vehicle owners before they can drive on the roads and highways of Maine LEGALLY. The required minimum coverage is $50,000 for the injury to or death of any one person per accident, $100,000 for one accident resulting in injury to or death of more than one person, $25,000 for property damage and $1,000 for medical payments coverage. You must have all these types of car insurance for Maine before you can register your vehicle.

Even though you may have insurance, you should also have carry proof of insurance whenever you are driving in Maine. One proof of insurance is the insurance identification card which is issued to you by your car insurance provider. You can use this when you are registering your vehicle with the Main Bureau of Motor Vehicles or when you are requested to show proof of insurance by a police officer.

Although there is a minimum amount of car insurance for Maine, it is best to have higher insurance coverage since it is for your protection. You might be surprised to learn that increasing your coverage will not increase your insurance premium by an awfully lot. If you can afford it, it is best to have a higher insurance coverage policy so you will have protection against major damages against you or others in case you are involved in a serious accident.

What will really affect your premium are your driving record, your age, your gender, your civil status, the other drivers in your household, your area of residence, the type of vehicle you use and your prior insurance coverage. However, you can get discounts from your insurance company if you are over 55 years of age, if you have multiple vehicles insured with the same company, if you have completed the approved driver education courses, if you are a good student and if your car has safety and anti-theft devices amongst other things.