Maine Car Insurance Quotes

Simple, Honest Savings on Car Insurance

Get A Quote!

More Options Means More Savings

Answer a few simple questions and a licensed Agent will do the rest! We’ll provide you with a few options and you pick the one that’s right for you – How much you save is up to you!

Best Rate Now, Best Rate Later

Not only will we work to save you money now, each year thereafter we’ll automatically shop your insurance through our AutoShop service to make sure you’re always getting the best rates so the savings continue year after year.

Taking the Guesswork Out of Your Policy

In addition to helping you save money, we’ll help you make well-informed decisions about which coverages and limits are right for you.

Instead of talking with a randomly assigned out-of-state call center representative, you’ll have access to your GHM Agent, here in Maine, by phone or email each and every time you have a question, need to make a change to your policy, or need to file a claim.

More Than Just Talk

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Average Customer Savings

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Customer Satisfaction

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$10 mil

Claims Paid in 2020

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Years Insuring Mainers

Prefer to Take Things Off-line?

Ready to chat right now? Reach us by phone or email

800-244-9046 |

What Customers Are Saying

I recently purchased my first car. Before buying it I went online to do a little research about insuring it. I was overwhelmed! After just a few minutes on GHM’s site, I had a good understanding of the different coverage options I should consider. It was simple and easy to save money on car insurance with GHM. Nakeysa Hooglund – Augusta
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We recently switched our auto insurance to GHM. Not only did they help us make well-informed decisions about what coverages are right for us, but they also showed us ways to save money, which we did! We strongly recommend GHM to anyone shopping around for insurance. Scott & Brigitte Massey – Waterville
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I’ve had my auto insurance through GHM for several years. Occasionally I’ve gotten quotes from other insurance companies but no one has ever been able to beat GHM’s rates. Norma Bourgoin – Waterville
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We’ve had our auto insurance with GHM because they are experts in what they do. And over the years we’ve shopped around but we’ve never found anyone as knowledgeable as GHM, and equally important is that GHM has always had the lowest rates for our situation. Ken & Suzanne Walsh – Waterville
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I recently switched my auto insurance to GHM. They explained several discounts and savings options to help me lower my premium, which I used to increase my coverages to give me better protection. I definitely recommend you contact GHM if you want an objective review of your insurance and suggestions on lowering your rates while improving your coverages like I did. Bob Asselin – Sidney
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Recently I reviewed my auto policy with my GHM representative, and she was able to lower my premium, which I greatly appreciated. I’m loyal to GHM for reasons such as that, but also because GHM has been such a wonderful supporter of Winslow Community Cupboard food pantry and Winslow Congregational Church, both of which I serve as volunteer Communications Director. Kindness and compassion make a big difference! 🙂 David Carew
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How can I save on my car insurance?

There are many ways to save on car insurance such as:

  • Bundling your Home or Renters policy with your Car insurance
  • Maintaining a good driving record
  • Increasing your deductibles
  • Insuring two or more vehicles on your policy
  • Proof of prior insurance
  • Installing a driver monitoring device to track your good driving habits
  • Additional discounts may be available
What are the coverages I should consider?

While shopping for car insurance, the most common coverages you want to keep in mind are:

  • Liability Limits
  • Medical Payments
  • Uninsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Towing & Labor Coverage
  • Rental Reimbursement Coverage
  • Loan/Lease Gap Coverage
  • Replacement Cost Coverage
  • Extended Non-Owned Liability Coverage

Not sure what all those mean or why you need them? No problem! At GHM, our Agents are committed to getting you the best rate, but they’ll also help you make well-informed decisions about your coverage limits so you know what you have in the event of an accident – after all, that’s why you have it in the first place.

How can I compare car insurance quotes?

Comparing car insurance quotes is easy with GHM. When you quote with us, we’ll shop up to 20 top insurance companies to find you the best options, including popular choices like Progressive, Allstate, and Travelers in addition to several other national, regional, and Maine-based companies.

Once we find the best money-saving policies, one of our Agents will reach out to help you understand the differences between quotes so you can make well-informed decisions about which coverages and limits are right for you.

Plus, you’ll have access to your dedicated Agent every time you have a question, need to make a change to your policy, or need to file a claim – no randomly assigned out-of-state call center representatives here!

I have full coverage so I’m covered for everything, right?

That’s a great question and a common misunderstanding most consumers have about car insurance.

“Full Coverage” is a very misleading statement as insurance is far from perfect. First of all, no two policies are alike, and you can purchase a wide range of liability limits and deductibles.

Keep in mind that in addition to having coverage limits and deductibles, all insurance policies have exclusions and conditions.

So no, full coverage does not mean you’re covered for everything!

What are the common exclusions and limitations in car insurance?

Some of the common exclusions in car insurance include:

  • Livery
  • Non-owned vehicle furnished for regular use
  • Fraud and misrepresentation
  • Certain types of vehicles (oversized vehicles, ATVs, dune buggies, go-carts, motorcycles, snowmobiles, tractors, etc)
  • Customized equipment
  • Undisclosed/Excluded drivers
  • Mechanical repairs/maintenance
  • Bodily Injury or Property Damage that exceeds your policy limits
What is the benefit of working with a Maine independent insurance agency?

By working with a Maine independent insurance agency you can have the benefit of getting lower rates, exceptional service, and support a Maine company.

Independent agencies typically represent several different insurance companies and can help you choose the one that’s best for your situation. If your situation changes, they will likely have another good option for you.

The Agents at GHM live in Maine, so they know Maine – and your dedicated Agent will take the time to get to know you and help you make well informed decision about what insurance limits and coverages are right for you.

What’s the difference between an Independent Agent, a Direct Writer, an Exclusive Agent, and other shopping sites?

Independent Agents are typically local people who are trained insurance professionals. They usually have broad knowledge in personal insurance (auto, home, boats, etc), life insurance, business insurance, and employee benefits. In many cases, the agency is owned by someone local who is engaged and gives back to the community. Independent Agents usually represent several different insurance companies so they are able to find a policy that best fits the unique situation of each and every consumer, at the lowest possible price.

Direct Writers are typically insurance companies that go direct to the consumer. There may or may not be any interaction with a trained professional so consumers may be left to themselves to sort through the complex maze of coverage choices.

Captive/Exclusive Writers are insurance companies that typically have a local office where consumers can purchase insurance. This can be a good option since you will get advice from a licensed insurance professional who knows how coverage will apply to your situation.

Shopping sites attempt to simplify the process of shopping for insurance. As a consumer, you may be on your own to make complex decisions for yourself about coverage limits, understanding policy limitations and exclusions, and making sure all your i’s are dotted and t’s are crossed so that if/when a claim occurs you have the right coverage. Insurance is not cookie-cutter by any means, and consumers who choose to go it alone run the risk of paying for something they don’t really understand or don’t realize the potential risks and consequences of their choices and decisions.