Best cheap car insurance quotes in Charleston
In Maine, all Charleston auto owners and operators must carry the minimum coverage insurance required by law, which includes liability insurance, medical payments coverage (MedPay), and uninsured motorist coverage (UM/UIM).
While collision and comprehensive insurance are not mandatory, it is advisable to consider purchasing full coverage for enhanced protection and to cover potential expenses related to vehicle repairs or replacements.
Cheap minimum liability insurance quotes in Charleston
If you’re purchasing insurance in Charleston, you’ll need liability limits that meet Maine’s 50/100/25 requirements. That means you must have at least the following:
Having these coverages means that if you’re involved in an at-accident and the other party is injured or their vehicle is damaged, your insurance will cover their expenses up to your policy limits.
Here are a few examples of Jerry helping Charleston car owners find minimum liability coverage.
Charleston, ME (Zip Code: 04422)
Charleston, ME (Zip Code: 04422)
Do you need more than minimum coverage in Charleston?
In Charleston, the minimum required insurance limits are a starting point for drivers—but they may not offer adequate protection.
Remember, liability insurance covers damages and medical bills that result from an at-fault crash. The average hospital stay after a car accident is almost $60,000, and the average new car is worth between $39,755 to $69,960.
Based on that, a single accident could rack up to more than $100,000! And because
Maine’s car accident laws allow drivers to file personal injury lawsuits for up to six years after an accident, your liability extends well beyond when the incident happened.
The bottom line: If you drive in Charleston, you may want to increase your liability insurance to 100/200/100 for even more protection.
Cheap full coverage car insurance quotes in Charleston
One of the major drawbacks of liability-only coverage is that it protects the other party’s vehicle—not yours. If you want to ensure your vehicle is covered in the event of an accident, you’ll have to purchase
full-coverage car insurance.
A full coverage policy generally includes liability insurance,
collision coverage, and
Collision coverage pays for physical damage to your vehicle due to a collision with another car or station object, such as a tree or a stop sign. Investing in collision coverage isn’t generally needed for older cars worth less than $2,000 because you’ll pay more in premium than your car is worth.
Comprehensive coverage pays for damage to your car from all non-collision-related incidents, such as theft, vandalism, fire, severe weather, floods, and animal damage. A comprehensive policy will also cover broken glass.
Remember that collision and comprehensive insurance are subject to a deductible; the higher your deductible, the lower your payments will be, and vice versa.
While full-coverage insurance isn’t required under Maine’s insurance laws, your lender will require collision and comprehensive insurance until your lease is up or your loan is paid off.
Investing in a full coverage insurance policy costs more than basic liability, but Jerry can help you find the cheapest rates in Charleston.
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.