What coverages should I select for a new car insurance policy in Maine?

I'm 28 years old and have a new Kia Optima. I am currently with State Farm and was able to find a lower price with Nationwide. I'm just not sure what coverage levels to select.

Answer provided by
Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Almost every state has a minimum amount of car insurance that is required by law, including Maine. You should first find out what coverages you are required to have. Once you know that, you can decide how much you’d like to spend on car insurance.
If your vehicle is financed, lenders normally require you to carry full coverage, which includes comprehensive coverage and collision coverage. This is usually more expensive than only having liability insurance.
Having the proper amount of coverage is important, so try to buy the highest amount of coverage that you can afford. While you know which carrier you’d like to switch to, it can be beneficial to explore other options to ensure you’re receiving the best rate. “

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