Maine Car Insurance Quotes

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

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.

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!

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!

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

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.

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.