As a business owner in Maine, you need to think seriously about providing your employees with auto insurance. Maine state law requires all vehicles to have car insurance. Maine insurance companies are easy to find. You simply have to pick the Maine automobile insurance company that is right for you.

All company-owned vehicles should have Maine auto insurance. Many companies choose to keep the proof of auto insurance in Maine in the glove compartment so that employees know where to find it in case of emergency.

When looking at auto insurance companies in Maine, you should:

1. Know how many employees require auto insurance. Maine law requires all drivers to be covered.
2. Decide how much insurance your company withes to purchase. Many companies choose to purchase more than the minimum policy.
3. Know how much auto insurance in Maine law requires.
   

Action Steps
The best contacts and resources to help you get it done

Receive quotes on Maine car insurance rates from online sources

When you fill out a simple online form, you are able to receive many quotes for car insurance. Maine insurance companies will compete for your business. This is a convenient way to get the best rates.

I recommend: Both QuoteCarInsurance.com and Insurance.com allow you to receive car insurance quotes. Maine business owners can choose the policy that works best for them.

Select a Maine auto insurance policy that is right for you

When looking at car insurance quotes, Maine companies may have different priorities. Some companies prefer a high level of service while others prefer a more cost-effective solution.

I recommend: Companies that like to receive quality service will do well to look into State Farm. Cost-conscious companies usually prefer to do business with Geico.

Purchase enough car insurance in Maine to satisfy your needs

Maine state law requires a minimum coverage of $50,000 for injury or death of one person in an accident, $100,000 for injury or death of more than one person, and $25,000 for property damage. Many companies purchase additional coverage for added security.

I recommend: A coverage calculator helps you to determine the amount of coverage that your company needs based on several factors. You can use the coverage calculators provided by AIG insurance or CarInsurance.com.

Ask your Maine insurance company if you qualify for discounts

Some Maine insurance companies offer discounts for a wide variety of things. You may qualify for a discount if you have never been in an accident, are over a certain age, or belong to a professional organization.

I recommend: Geico conveniently lists the things that they provide discounts for on their website.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  If you currently have some form of insurance with a different company, ask them to see if they also provide auto insurance in Maine. Some companies will offer a discount when you bundle several insurance packages together. This may be a way to get a great deal.
• •  If you are leasing or financing your car, the dealership may require a higher level of insurance. Ask your car dealer to see what their requirements are.