Getting the driver's license is easily one of the biggest milestones in our lives. It represents freedom, growing up and independence - all at once. Of course, you also need to realize and accept the responsibilities that come with this milestone. Along with your driver's license, you also need to consider the auto insurance policy that you need to get for yourself. So how does a teenager in Maine, get the best possible deal in Auto Insurance?
There are several ways in which you can approach your hunt for an affordable Auto Insurance for yourself as a teenager in Maine. Many parents prefer to simply add their new teenage driver to an existing policy of their own. However, remember that you will still need to pay out additional amount of money for it. Also if you are going to drive a separate car, you might need to have separate auto insurance policy for yourself. Below are some basic considerations that you need to have while shopping for auto insurance for yourself as a teenager:
- Maine state law requirements: The Maine state law requirements for motor/ auto insurance are the same for teenage and adult drivers. You need to have a minimum of $50,000 - $100,000 for Bodily Injury Liability coverage, $25,000 for Property Damage Liability and an additional $1,000 for Medical Payment coverage. These are legal minimums.
- What car you drive: The fastest sports car might be what your heart desires, but it is not the most pocket friendly in terms of your auto insurance. The faster and snazzier your car, the more you need to pay out for your auto insurance.
- What are the safety features installed in your car: Teenagers as a thumb rule are considered to be risky drivers. Therefore, insurance companies offer lot of benefits and discounts for cars which have safety features like airbags, ABS etc. installed.
- Your Grade Point average: Most insurance companies in Maine will give you a better deal and significant discounts in auto insurance if you have an academic average of "B average" or higher. The reason behind this is that good students are perceived to have more control and maturity, and hence are more responsible individuals and drivers.
- Enrolling yourself in special courses on traffic rules and safety driving also helps. This helps the insurance companies to determine that you are a relatively low risk driver who knows the basic safety rules and hence can be given a higher coverage with lower premiums. Some auto insurance companies in Maine also launch surveys on traffic and safety regulations for teenagers that you can participate in over the internet. This will also help you get better quotes on your auto insurance policy.
Lastly, remember that a good driving record always helps. The lesser the number of traffic tickets you have, the better are your chances of getting a more economical auto insurance. Drive safe and you will find the ride very smooth.
