Cheapest Car Insurance Rates in Ellsworth ME

Insurance Claims Process After an Accident in Maine

If you've been involved in an accident in Ellsworth, you'll likely go through a process of filing insurance claims. Maine operates under a tort liability system, which means that the person found to be at fault for the accident is responsible for paying any damages resulting from it.

The first step after an accident is to contact your insurance company as soon as possible. This will alert them of your claim and help begin the process. You should also try to get all relevant information about the incident, including names and contact details for any witnesses or other drivers involved in the accident. Your adjuster may need to speak with them before making a decision on your claim.

When filing a Ellsworth car insurance claim, you'll typically need to provide evidence of the damage and liability. This could include photographs from the scene, a police report outlining the details of the accident, and documentation from your vehicle repair shop. Maine law also requires that you submit all medical bills related to any injuries sustained in the accident.

Your insurance adjuster will review all of this information before determining whether or not to accept your claim. The adjuster may also contact other drivers or witnesses to help them make their decision. You should be present for this process and answer any questions as honestly as possible.

Once your car insurance claim is accepted, Maine law allows you up to three years from the date of the accident to file a lawsuit against an at-fault driver if necessary. Keep in mind that Maine is a comparative negligence state, which means that if you're found to be partially at fault for the accident, any damages awarded will be reduced accordingly.

Keep all of your documents related to the accident and insurance claims process on hand in case you need them later. This could help prove your claim and make it easier for you to receive compensation should a lawsuit become necessary. Knowing the Ellsworth car insurance claims process can help ensure you get proper coverage in the event of an accident.

15 Safest Vehicles to Drive in Maine

Maine is known for its unique geography, featuring rocky shorelines, coastal islands and beautiful forests. Ellsworth drivers must be prepared to encounter a variety of road conditions as they navigate this stunning landscape. If you're looking for the safest way to get around Maine, these top-rated vehicles are sure to provide you with peace of mind. From compact city cars to full-size SUVs, Maine drivers will find a vehicle that meets their needs and budget.

1. Subaru Forester - The Forester offers Maine drivers an excellent combination of safety and affordability in the popular SUV category. It was recently named an IIHS Top Safety Pick+ award recipient and comes with advanced driver assistance features like lane departure warning and reverse automatic braking for added protection.
2. Honda Accord - The Accord is a great option for Ellsworth drivers looking for a reliable sedan that won't break the bank. It comes with top-notch safety features like adaptive cruise control, lane keep assist and automated emergency braking systems which make it an IIHS Top Safety Pick+.
3. BMW X3 - Maine drivers who want a luxury SUV should take a look at the X3 from BMW. This vehicle was named an IIHS Top Safety Pick+ award recipient and offers advanced driver assistance systems such as active blind spot detection and front collision mitigation.
4. Toyota Camry - The Camry has long been known as one of the most reliable cars on the market and Ellsworth drivers will be pleased to know that it has also been recognized as an IIHS Top Safety Pick+. It features pre-collision systems with pedestrian detection, lane departure alert, dynamic cruise control and automatic high beams for added protection.
5. Ford Escape - The Escape is a great option for Maine drivers looking for an affordable SUV with exceptional safety ratings. This vehicle was named an IIHS Top Safety Pick+ award recipient thanks to its advanced driver assistance technology such as blind spot monitoring, lane keep assist and automated emergency braking systems.
6. Hyundai Santa Fe - Ellsworth drivers who want the best of both worlds should consider the Santa Fe from Hyundai. This mid-size SUV offers plenty of room and cargo space while also providing advanced safety features like adaptive cruise control, lane keep assist and automatic emergency braking systems.
7. Kia Soul - Maine drivers who are in the market for a smaller car that still offers plenty of protection should take a look at the Soul from Kia. It was recently named an IIHS Top Safety Pick+ award recipient thanks to its robust range of driver assistance technology like blind spot monitoring, lane departure warning and automated emergency braking systems.
8. Chevrolet Equinox - Ellsworth drivers looking for a reliable mid-size SUV should consider the Equinox from Chevrolet. This vehicle comes with standard safety features such as rearview camera, front collision alert and lane keep assist which make it an IIHS Top Safety Pick+.
9. Volvo XC60 - Maine drivers who want luxury combined with safety should take a look at the XC60 from Volvo. This SUV was named an IIHS Top Safety Pick+ award recipient thanks to its advanced driver assistance systems such as adaptive cruise control, lane keep assist and automated emergency braking systems.
10. Nissan Rogue - Ellsworth drivers who want a reliable SUV that won't break the bank should consider the Rogue from Nissan. This vehicle comes standard with advanced driver assistance technologies like blind spot warning, rear cross traffic alert and automatic emergency braking which make it an IIHS Top Safety Pick+.
11. Jeep Grand Cherokee - Maine drivers looking for a rugged SUV should take a look at the Grand Cherokee from Jeep. It comes with standard safety features like blind spot monitoring, rear cross traffic alert and automated emergency braking systems which make it an IIHS Top Safety Pick+.
12. Subaru Outback - Ellsworth drivers who want a reliable and safe wagon should consider the Outback from Subaru. This vehicle was named an IIHS Top Safety Pick+ award recipient thanks to its robust range of driver assistance technologies like lane departure warning, pre-collision braking and automated emergency braking systems.
13. Honda CR-V - Maine drivers looking for a dependable and affordable SUV should take a look at the CR-V from Honda. This vehicle comes with top-notch safety features such as adaptive cruise control, lane keep assist and automated emergency braking systems which make it an IIHS Top Safety Pick+.
14. Mazda CX-5 - Ellsworth drivers who are in the market for an affordable yet safe SUV should consider the CX-5 from Mazda. This vehicle was named an IIHS Top Safety Pick+ award recipient thanks to its advanced driver assistance systems like blind spot monitoring, lane departure warning and automated emergency braking.
15. Toyota RAV4 - Maine drivers who want the best bang for their buck should take a look at the RAV4 from Toyota. This SUV comes with standard safety features such as rearview camera, front collision alert and lane keep assist which make it an IIHS Top Safety Pick+.

10 Unsafest Vehicles to Drive in Maine

1. Mazda RX-8: This two-door sports car may look cool, but it lacks basic safety features like airbags and stability control, making it an unsafe choice for Maine's roads.
2. Ford Ranger: Despite being one of the most popular pickups ever made, the Ford Ranger has weak structural integrity and poor handling capabilities when driving on wet or icy Maine roads.
3. Nissan Versa: This subcompact car offers great fuel economy, but it's lacking in its safety features. The Versa is vulnerable to rollover accidents and lacks side airbags, making it a poor choice for Maine's winding roads.
4. Suzuki Samurai: The Samurai may have great off-roading capabilities, but its lack of modern safety features makes it a dangerous choice for Maine roads.
5. Ford Pinto: This compact car is known for its poor handling characteristics and weak body structure, making it an unsafe option for Maine drivers.
6. Chevrolet Cobalt: The Cobalt suffers from mechanical problems that make it difficult to control on Maine roads, making this vehicle an unsafe choice despite its attractive design.
7. Pontiac Vibe: The Vibe is a stylish hatchback, but its lack of modern safety features makes it an unsuitable option for Maine driving.
8. Volkswagen Cabriolet: This convertible may look fun, but its poor handling and low crash ratings make it a dangerous choice for Maine roads.
9. Mitsubishi Eclipse: Despite being one of the most popular sports cars ever made, the Eclipse lacks important safety features like side-impact airbags and stability control, making it an unsafe choice for Maine drivers.
10. Dodge Neon: This small car has inadequate structural integrity and weak suspension components that make it a dangerous vehicle to drive on Maine's roads. With these vehicles in mind, Maine drivers should be sure to choose a safe vehicle before hitting the road.  Happy driving!

4 Things to Know About Insuring Luxury Vehicles in Maine

When it comes to insuring luxury vehicles, Ellsworth Maine has some unique rules that must be followed before taking the wheel of your new car. Here are the four things you should know about insuring luxury vehicles in Maine:

1. Liability Requirements: In Maine, you must have liability insurance on any vehicle registered or operated in Maine. The minimum coverage requirements are $50,000 for bodily injury per person; $100,000 for total bodily injury per accident; and $25,000 property damage per accident. You may need to purchase additional coverage if you plan to drive a high-value or exotic car.
2. Personal Injury Protection: Maine requires that all Ellsworth drivers purchase a minimum of $2,000 in personal injury protection coverage. This coverage pays for medical expenses resulting from an accident, regardless of who is at fault.
3. Collision Coverage: Maine requires that you have collision coverage on any vehicle registered or operated in Maine. Collision coverage pays for repairs to your car if it is damaged in an accident with another vehicle or object. It also covers repairs for accidents involving animals and roll-over collisions.
4. Comprehensive Insurance: Maine does not require comprehensive insurance but it is highly recommended if you own a luxury car or other high-value vehicle. Comprehensive insurance covers damages to your car caused by vandalism, theft, fire and other non-collision related incidents.

Cost of Car Insurance in Different Age Groups in Maine

When it comes to auto insurance, Ellsworth Maine residents have several options to consider. Maine law requires all drivers to carry a minimum level of liability coverage and uninsured motorist coverage. Maine also mandates that drivers must carry Personal Injury Protection (PIP) or Medical Payments Coverage (MPC). Rates for Maine car insurance vary depending on age group and other factors, so let's take a closer look at the average cost of car insurance in Maine in five different age groups.

• Teens aged 16-19 can expect to pay the highest rates for Maine car insurance. Maine teens usually face higher premiums due to their inexperience behind the wheel and statistically higher likelihood of being in an accident. Rates tend to be slightly lower for 20-24 year olds, but they are still much higher than drivers in other age groups.
• 25-34 year olds tend to have the best rates when it comes to Maine car insurance. This is because 25-34 year olds have more experience driving and fewer claims filed on average compared to younger drivers.
• 35-44 year old Maine residents start seeing a gradual increase in rate over time, but this tends to level out as you get closer to retirement age (65+). Maine drivers tend to maintain steady rates between 45-64 years old, as they have had more time to build up a history of safe driving and fewer claims.
• The cost of car insurance for Maine seniors (65+) is usually the most affordable compared to other age groups. Seniors typically have many years of experience behind the wheel and are able to maintain a good driving record over time, which makes them less risky for insurers. Maine seniors also benefit from various discounts for things like taking driver safety courses or having multiple vehicles insured with the same company.

4 Driving Violations That Require High Risk Insurance Maine

Ellsworth drivers have a responsibility to maintain their vehicles and serve as safe and responsible motorists. Certain driving violations, however, can lead to Maine requiring high risk insurance in order for the driver to operate on public roads. In Maine, four key violations that may require you to purchase high-risk auto insurance include:

1. Driving under the influence (DUI). If you are found guilty of DUI or DWI in Maine, your license will be suspended for up to one year and you may be required to carry Maine's high-risk SR22 insurance policy. This type of policy is more expensive than regular insurance due to its higher coverage limits and restrictions placed on you by Maine's Bureau of Motor Vehicles (BMV). Maine's high-risk SR22 insurance policy is designed to help you meet Maine's motor vehicle financial responsibility requirements.
2. Reckless driving. Maine defines reckless driving as operating a motor vehicle in Maine in any manner that endangers the safety of the public or property, including speeding and racing on public roads and highways. Maine will suspend your license for up to one year if you are convicted of reckless driving and require you to carry Maine's high-risk SR22 insurance policy.
3. Driving with a suspended license. If you are caught operating a motor vehicle with a suspended Maine license, you may be subject to increased fines, additional jail time and an extended suspension period, which could range from six months to two years. Maine may also require you to purchase Maine's high-risk SR22 insurance policy in order for your license to be reinstated.
4. Excessive traffic violations and/or accidents. Too many convictions of traffic violations or at-fault accidents can lead Maine's BMV to require that you purchase Maine's high-risk SR22 insurance policy in order to stay on the road. Not only is this type of insurance more expensive, but it also places restrictions on how much coverage you must have, which means that your rates will remain higher even after the assigned period has ended.

If you are found guilty of any of these driving violations, Maine's BMV may require that you purchase Maine's high-risk SR22 insurance policy in order to reinstate your driving privileges. It is important to understand the law and Maine's requirements for this type of auto insurance coverage so that you can be sure you have the right amount of protection in Ellsworth.

Top 7 Car Insurance Companies by Least to Most Expensive in Maine

When it comes to Ellsworth car insurance, there are many companies offering a variety of coverage at different price points. To help you compare Maine car insurance rates, we've compiled a list of the seven least to most expensive car insurance providers in Maine.

Starting with the least expensive option: Maine's Allstate Insurance Company offers competitively priced liability and collision coverage for drivers in Maine. They also offer discounts for being a customer of their home and auto bundle policies, as well as loyalty rewards for safe driving records.

The second-most affordable Ellsworth car insurance company is Liberty Mutual Insurance Company. Like Allstate, they provide both liability and collision coverage options along with discounts that come from bundling home and auto policies together or being a loyal customer.

The third most affordable Maine auto insurance provider is Progressive Insurance, which offers competitively priced liability and collision coverage plans as well as discounts for bundling home and auto policies together and being a safe driver. They also offer additional discounts to customers with good credit scores.

Fourth on the list of Ellsworth car insurance companies is Maine Mutual Insurance Company, an independent carrier that provides comprehensive coverage options at competitive rates. They also offer discounts for policyholders who purchase multiple vehicles or bundle their home and auto policies.

Fifth on our list is AAA Maine Insurance, which offers both liability and collision coverage plans along with discounts for multi-car households and bundling home and car insurance policies together. They also provide roadside assistance and other perks that make them a popular choice for Maine drivers.

Sixth is Esurance Maine, which offers liability and collision coverage plans with discounts for customers who bundle home and car policies together. They also provide an array of features including accident forgiveness, guaranteed repairs and 24/7 customer service to Maine drivers.

Finally, the most expensive Maine auto insurance provider is Maine State Farm Insurance Company. While they offer comprehensive coverage plans, their rates are higher than other carriers in the state. That said, State Farm does provide some unique policy options such as rental car coverage and total loss protection that can make them worth considering if you're looking for a comprehensive insurance package.

Auto Theft Statistics in Maine

In Maine, the rate of auto theft has decreased significantly over the last decade. In 2019, Maine reported 363 car thefts throughout the state which was a considerable drop from 1,007 thefts in 2009. While Maine does have a relatively low auto theft rate when compared to other states in the US, it is still important for Ellsworth drivers to take precautions with their vehicles.

Some tips for deterring car theft include parking in well-lit areas and avoiding leaving valuable items in plain sight inside your vehicle. Additionally, installing an anti-theft device such as an alarm or immobilizer can be effective at preventing auto theft. It's also good practice to lock all doors and roll up windows when parking your car regardless of where you are located. By taking these steps, Ellsworth drivers can help reduce the risk of auto theft.

It is also important to take note of the most commonly stolen vehicles in Maine. The list typically changes every year, however in 2019 the top five were: Honda Accord, Honda Civic, Ford Pick-up (Full Size), Chevrolet Pick-up (Small Size) and Toyota Camry. By understanding which cars are most attractive to thieves, Maine drivers can be extra vigilant with these vehicles and pay close attention to where they park and what security precautions they take when leaving their car overnight or for extended periods of time.

Overall, Maine has seen a significant drop in auto thefts over the past 10 years which is encouraging news for Ellsworth drivers. However, it's still important for drivers to take precautionary steps and be aware of the most commonly stolen vehicles in Maine. By following these tips, Maine drivers can help keep their cars safe and reduce the risk of auto theft.

10 Automobile Accident Statistics in Maine

Maine is known for its scenic beauty, but auto accidents are still a major concern here. To better understand the risks of driving in Maine, here are 10 automobile accident statistics to consider:

1. On average, more than 33,000 auto accidents occur each year in Maine.
2. The most common type of vehicle involved in these crashes is light trucks and SUVs at nearly 50%.
3. Maine reported over 890 roadway fatalities between 2015-2019 with an average of 178 per year.
4. In 2019, distracted driving accounted for around 10% of all traffic fatalities in Maine.
5. Maine had the second highest rate of alcohol-impaired driving deaths at 44%.
6. Maine has one of the highest rates of motorcyclist fatalities in the country, with over 20% of traffic deaths involving motorcycles.
7. Speeding violations are a serious problem in Maine and account for nearly 33% of all fatal crashes.
8. In Portland alone, an average of 1,000 car accidents occur annually.
9. Maine had 757 pedestrian collisions in 2020 resulting in 11 fatalities.
10. The largest age group involved in fatal auto accidents is those between 25-34 years old at 28%.

10 Automobile Accident Statistics in Maine

Maine is known for its scenic beauty, but auto accidents are still a major concern here. To better understand the risks of driving in Maine, here are 10 automobile accident statistics to consider:

1. On average, more than 33,000 auto accidents occur each year in Maine.
2. The most common type of vehicle involved in these crashes is light trucks and SUVs at nearly 50%.
3. Maine reported over 890 roadway fatalities between 2015-2019 with an average of 178 per year.
4. In 2019, distracted driving accounted for around 10% of all traffic fatalities in Maine.
5. Maine had the second highest rate of alcohol-impaired driving deaths at 44%.
6. Maine has one of the highest rates of motorcyclist fatalities in the country, with over 20% of traffic deaths involving motorcycles.
7. Speeding violations are a serious problem in Maine and account for nearly 33% of all fatal crashes.
8. In Portland alone, an average of 1,000 car accidents occur annually.
9. Maine had 757 pedestrian collisions in 2020 resulting in 11 fatalities.
10. The largest age group involved in fatal auto accidents is those between 25-34 years old at 28%.

FAQ Section

⭐ What is the average car insurance rate in Ellsworth Maine?

The average rate for Ellsworth is $924. Look for discounts to make this even more affordable.

⭐ What is the minimum coverage required in Ellsworth ME?

In Ellsworth Maine, your policy must have at least $50,000 of coverage for injuries per person, up to a total of $100,000 per accident, and $25,000 of coverage for property damage.

⭐ How much is car insurance typically for 2 vehicles in Ellsworth ME?

Average cost for two vehicles in Ellsworth is $2,439. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.

⭐ How can I get cheap car insurance in Ellsworth ME?

To get low cost car insurance in Ellsworth, ME, simply fill out the form above and compare quotes then pick the best one.

Last Updated: 07/03/2023