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Old 02-02-2013, 11:48 AM
Location: Forests of Maine
29,722 posts, read 47,472,880 times
Reputation: 17565


Originally Posted by Coaster View Post
Higher compared to where? According to this article, Maine isn't even in the top 15 states for auto insurance costs.
That has been my general understanding on the topic. Maine being cheaper that is.

... In fact, according to this article, Maine has the second-lowest car insurance rates in the nation, after Idaho.
That is interesting, thanks.

Originally Posted by corgis View Post
I personally believe in higher coverage limits. Underinsured drivers who cause an accident are hurting the other drivers. This spoken from a retired insurance agent. Rates are lower and coverages higher in Maine, just as they should be.
I think that whenever others are hurt the insurance should be enough to pay for damages. Yet it is hard to guess how much damage a person can do.

It is interesting to hear from a person in the career field. Since rates are lower in Maine, and coverage is higher in Maine, how is it that these two seemingly opposite things exist?

Anywhere else you go you would think that higher coverage would need higher rates.

Also why do you think there is such a perception that it is more expensive here?
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Old 02-02-2013, 05:38 PM
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Reputation: 29
Maine does not have higher coverage requirements. The minimum you need is liability. The next step below is not having any coverage period.
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Old 02-02-2013, 07:08 PM
Location: Forests of Maine
29,722 posts, read 47,472,880 times
Reputation: 17565
Here are two examples of state laws about minimum liability auto insurance.

In Maine:
"... you must buy a minimum of
$50,000 liability for the injury to or death of any one person;
$100,000 liability for one accident resulting in injury to or death of more than one person;
and $25,000 liability for property damage.
These amounts are usually shown as $50/100/25 on your insurance policy. ..."
Personal Auto Insurance : Brochures : Bureau of Insurance

In California:
"... Minimum liability insurance requirements for private passenger vehicles (California Insurance Code ß11580.1b)
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property. ..."
Insurance Requirements for Vehicle Registration

In Maine the minimum levels of coverage [50/100/25], are much higher than the minimum levels of coverage required in California [15/30/5].

However insurance in Maine is lower priced than it is in California.
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