Without the many lighthouses protecting vessels navigating the sea thousands of sailors' lives would certainly be jeopardized. Needless to say, some devices are required for preservation. The State of Maine safeguards its drivers by requiring uninsured motorist on their auto insurance which pays out if the policyholder becomes a hit-and-run victim or is hit by a driver without the mandated Maine auto insurance. The Bureau of Motor Vehicles estimates that about seven percent of all drivers are uninsured. Protection is a key component for drivers and it comes in many forms.

Anti-Lock Brakes
Anti-lock brake systems help driver's control their vehicles in emergency situations which can ultimately save lives. Standard brake systems require drivers to pump the pedal to avoid skidding or locking up the brakes whereas an anti-lock brake system recognizes crises and does the pumping for you while monitoring the rotation of the wheels. You can save around five percent on your Maine auto insurance rates if your vehicle is equipped with an anti-lock brake system.

Airbags
Driver fatality risk is reduced by 52 percent in SUVs with side airbags that protect the head compared to 30 percent with torso-only side airbags, according to the Insurance Institute for Highway Safety (IIHS) October 2006 Status Report. "Side airbags are saving lives, and the most effective ones include protection for people's heads," said Anne McCartt, IIHS vice president for research. "We found lower fatality risks across the board – among both older and younger drivers, male and female drivers, and drivers of smaller cars as well as much larger passenger vehicles." Some companies offer discounts up to 40 percent on Maine auto insurance rates if the policyholder's vehicle is equipped with airbags that protect the head.

Seatbelts
Seatbelts save lives and those who use them can save big on their Maine auto insurance rates. The Insurance Information Institute (I.I.I.) reports that seatbelts saved an estimated 13,250 lives of passenger vehicle occupants over the age of four in 2008. Seatbelts help safeguard vehicle occupants from being ejected out of a vehicle in the event of an accident. In 2008, only one percent of occupants reported to have been using restraints were totally ejected, compared with 30 percent of unrestrained occupants, according to the I.I.I.

Your Line of Defense
An IIHS study found that the motor vehicle death rate per registered vehicle would have stopped declining in 1994 and started going up if it weren't for the improvements in passenger vehicle designs intended to protect their occupants in crashes. The more protection that surrounds you the more you're going to save on your Maine auto insurance rates. Shopping around is the best way to assess your rate and coverage. Use LocalInsurance's free service to gather several quotes from companies in your area. Simply fill out a quick form and you'll be comparing differing Maine auto insurance rates in no time.

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