Portland (207) 774-9811 | Gray (207) 657-4938

Benefits of Choosing an Independent Insurance Agent like Maine Insurance Agency

Every day you are bombarded with ads about insurance. A talking lizard (really we don’t get it either) says buy direct from him. Another ad tells you you’re in good hands. Another equates insurance to a box you can pull off the shelf. There are so many insurance ads that it’s hard to know which is the best way to buy insurance. That’s why you need an independent insurance agent. 
Buying insurance is not like buying most anything else. It is not a commodity like a roll of paper towels. It’s about properly protecting your car, your home, your business, your assets, against unforeseen future risks. Maybe one insurance company just can’t take care of all your insurance needs. Maybe you don’t even know for sure what kind of insurance you need to protect your family and you. 

Who Are Independent Agents? 

Independent insurance agents represent a number of different insurance companies and can quote a wide range of insurance products. An independent agent has the opportunity to study different carriers in an effort to best match price and coverage for your needs. And if a carrier is competitive one year but not the next, your independent agent can help you find a different company. That is why we are called independent. 
Independent insurance agents own their own businesses and are located in Everytown, USA. We are part of your community; we are members of local organizations; we support local charities and we are trusted advisors. We work on your behalf and educate you on the insurance you need to consider. 

The Difference between Independent Agents and Others 

When you shop for insurance, it’s important to have choices. You only have one choice when you purchase from agents who represent just one insurance company. One size or flavor does not fit all. Agents who represent only one insurance company are sometimes called ‘captive’ agents. Online direct insurance companies sell direct to you without even using an agent, in most cases. 
An independent agent is not beholden to any particular insurance company and is your independent advocate. An independent agent can provide you with multiple quotes from multiple carriers for you to choose from. Just think who you would want to represent you should have a claim. 

Reasons to Choose Maine Insurance Agency as your Independent Agent

Independent insurance agents are trained to be your trusted advisers who understand risk and can offer you choices. We are licensed professionals who must pass rigorous tests and take continuing education classes. We are a small-business owner who live and work in your community. Our agents are focused on you, the customer. Our business depends on it and you can depend on us to be there with you if you need to file a claim.
Because we are independent agents, we represent many insurance companies, we are trained in many products, we know the marketplace, and we know which insurance company is competitive at any point in time to best match price, product and service for you. If a carrier decides to cancel your policy, an independent agent can and will help you find another insurance company we represent. 

Independent Agents Are Here to Help You 

Maine Insurance Agency is here to help you with all your insurance needs. Customer satisfaction is important to our success. We work with you to find you the best coverage at the most competitive rates. Please feel free to call us with any of questions about your insurance, from home and auto to business and recreational vehicles.

The Dangers of Texting while Driving

Sixty two percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it. 
On the other hand, the National Highway Traffic Safety Administration (NHTSA) blames the use of cell phones at the wheel for some 1,000 fatalities and 240,000 nonfatal accidents every year. That’s about 25 percent of all crashes. Add to this the facts that most young people think they can easily “multi-task” and are somewhat immortal anyway, and you’ve got a big problem.
Cell Phones Are a Major Distraction 
Safety studies by NHTSA, the University of Utah, and other researchers show that cell-phone use alone – just talking – is a major distraction for most motorists. It takes away the driver’s concentration. It slows reaction time. It impedes both-hands-on-wheel control of the vehicle. As highway-patrol officers have frequently confirmed, it reduces performance to the level of driving drunk. 
It’s not just the equipment’s fault, in fact, hands-free cell-phone use is not any safer. The real problem is the activity itself, especially when it involves decision making or emotional upset. There is simply no way a driver can adequately do the complex work of driving – scanning the road, monitoring traffic movements, reading road signs, adjusting speed, following distance, and other variables – while on the phone or texting.
Texting multiplies these deficits and adds a few more. 
Inputting, like any kind of writing, requires more concentration that just speaking. 
Most texters need to keep glancing at the phone’s keyboard and disregarding the road. 
Reading an incoming text message can be even more problematic, as the driver squints at the tiny screen, then scrolls to follow longer messages. 
Should the car hit a bump, the phone could fly out of the user’s hand. What then? 
A study by the Federal Motor Carrier Safety Administration has found that while texting, 4.6 of every 6 seconds are spent looking at the phone instead of the road. At 55 mph, that’s equivalent to driving the length of a football field blindfolded. So deciding whether to retrieve a dropped phone could literally be a matter of life or death. 
Lawmakers Respond 
States lawmakers are cracking down. Texting is now outlawed in 34 states and the District of Columbia. Law enforcement officers can attest to the need, reporting that texters are easy to spot on the road since they are inattentive, swerve between lanes and drive slowly. Lets be honest, we have all seen them and many of us have a story to tell because of it.
Other counter-measures to on-road texting are also taking hold. The Occupational Health and Safety Administration (OSHA), has petitioned The President for tougher laws. Why OSHA, the occupational agency? Because so much of America’s workforce is on the road daily, delivering goods and services or conducting other business activities. 
In response, the President instituted the Executive Order on Federal Leadership on Reducing Text Messaging While Driving in 2009. It prohibits texting by all federal employees during official business trips. 
The courts and insurers are likewise adjusting to the spread of the texting habit. Phone-related accidents and injuries, whether caused by talking or texting, are seen as forms of driver negligence, in some cases on a par with DWI (“driving while impaired”) offenses. Increasingly, victims of such crimes are eligible to receive compensation for their losses. 
Safety statistics, here and abroad, make it clear that texting and talking, whether hands-on or hands-free, make cell-phone use a major threat to public safety. 
Put the Phone Down and Drive
There is no other better way to put it.

Know Your Options, Know Your Agent

Maine Insurance Agency™ has served clients in Maine for over 110 years. Since 1905 and to this day, it continues as a fourth generation family run agency that is deeply rooted in tradition and our communities. As an Independent Agency and recognized as a Trusted Choice Agency, we are able to deliver a personalized portfolio of insurance coverage at a competitive rate. What's more important, is the fact that you will have a relationship with a local agent that will work hard to know you and offer you options to suit your needs.

We believe in the independent agency system and we believe a relationship with an agent is key to your overall satisfaction when dealing with insurance.

This is something you will not get with an 800 number or a website in Ohio! Choose Maine Insurance Agency™ and choose to Know your Options and Know your Agent...

Portland Office 1-800-203-3050     Gray Office 1-800-769-8872

Office Hours 8:30 to 4:30 Monday through Friday