Anyone knows that car insurance companies want to keep you from comparing rates. Consumers who get comparison quotes at least once a year are inclined to switch companies because they have good chances of finding good coverage at a lower price. A survey found that people who made a habit of comparing rate quotes saved on average $3,400 over four years compared to those who never shopped for cheaper rates.
If finding discount rates on insurance in Baltimore is why you’re here, then knowing the best ways to find and compare car insurance can help simplify the task of finding more affordable coverage.
The easiest way to find better pricing on Audi Q3 insurance is to regularly compare prices from different companies who provide auto insurance in Baltimore.
First, take a little time to learn about how auto insurance works and the measures you can control to keep rates low. Many policy risk factors that drive up the price like at-fault accidents and a poor credit rating can be eliminated by making minor changes to your lifestyle. Continue reading for more ideas to lower rates and find additional discounts you may qualify for.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of companies. Start a quote
Third, compare the new rate quotes to your existing coverage and determine if cheaper Q3 coverage is available. If you find a lower rate quote and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is to use identical limits and deductibles on every quote and and to get rate quotes from as many companies as possible. This provides the most accurate price comparison and the most accurate and complete price analysis.
Finding a lower price on insurance can be relatively painless. You just have to invest a little time comparing rates from online providers.
The companies shown below are ready to provide quotes in Maryland. To locate cheap auto insurance in Baltimore, MD, we suggest you click on several of them to get the most affordable price.
Insurance just makes sense
Despite the potentially high cost of Audi Q3 insurance, insuring your vehicle is required in Maryland but it also protects you in many ways.
First, almost all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability insurance in order to be legal. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you bought your vehicle with a loan, more than likely the lender will force you to have insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Audi for a lot more money and force you to pay the higher price.
Third, insurance protects not only your vehicle but also your financial assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. Unknowingly, the average driver is wasting up to $700 annually so compare rate quotes at every renewal to ensure rates are competitive.
Insurance discounts help lower rates for Audi Q3 insurance in Baltimore
Companies offering auto insurance don’t always list the complete list of policy discounts very well, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Baltimore auto insurance online.
- Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more off the personal injury premium cost.
- Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
- Military Discounts – Being deployed with a military unit could be rewarded with lower insurance rates.
- Memberships – Having an affiliation with a professional or civic organization is a good way to get lower rates on your next insurance statement.
- ABS Braking Discount – Cars that have anti-lock braking systems are safer to drive and will save you 10% or more on Q3 insurance in Baltimore.
- Discounts for New Vehicles – Adding a new car to your policy is cheaper because newer models keep occupants safer.
As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. Even though it appears you could get a free insurance policy, you won’t be that lucky.
To see providers who offer discounts in Baltimore, click here to view.
Local neighborhood agents and insurance
A small number of people would prefer to go talk to an agent and that is recommended in a lot of cases Good insurance agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting free rate quotes online is you may find cheaper rates and still buy from a local agent.
For easy comparison, once you complete this simple form, the quote information is submitted to participating agents in Baltimore who will return price quotes for your insurance coverage. There is no need to contact any insurance agencies since price quotes are sent immediately to you. If you want to compare rates from one company in particular, just find their quoting web page and complete a quote there.
Selecting an insurer requires you to look at more than just the premium amount. Get answers to these questions too.
- How many years have they been established?
- Will the company cover a rental car if your car is getting fixed?
- Is assistance available after office hours?
- Are all drivers listed on the coverage quote?
- Is the quote a firm price?
Two different types of auto insurance agents
If you’re trying to find a reliable insurance agent, there are two types of agencies and how they differ in how they quote coverages. Insurance agents are either exclusive or independent agents depending on their company appointments. Both types can properly insure your vehicles, but it’s worth mentioning the difference in how they write coverage because it can factor into buying decisions.
Agents that choose to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate, and Farm Bureau. They generally cannot compare other company’s rates so it’s a take it or leave it situation. They are well schooled on their company’s products and that can be a competitive advantage. Consumers frequently buy from exclusive agents mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.
The following is a short list of exclusive agencies in Baltimore who can help you get comparison quotes.
- Allstate Insurance: Donald White
733 W 40th St #311 – Baltimore, MD 21211 – (410) 467-9600 – View Map
- Kennedy Ins Agency – Progressive Insurance
410 Ingleside Ave – Baltimore, MD 21214 – (410) 719-6006 – View Map
- GEICO Insurance Agent
7915 Belair Rd – Baltimore, MD 21236 – (410) 882-8200 – View Map
Agents that choose to be independent do not write with just one company and that is an advantage because they can write policies with lots of companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies which requires no work on your part. When searching for an agent, you will definitely want to compare prices from at a minimum one independent agency so that you have a good selection of quotes to compare. Most can insure with small regional insurance companies which can save you money.
The following is a short list of independent insurance agencies in Baltimore that can give you price quote information.
- Mason and Carter Inc
23 South St – Baltimore, MD 21202 – (410) 539-6767 – View Map
- Nationwide Insurance: Rodgers Insurance Agency Inc
6800 Holabird Ave a – Baltimore, MD 21222 – (410) 282-1379 – View Map
- Lambert Insurance Inc
1826 Woodlawn Dr # 6 – Baltimore, MD 21207 – (410) 265-7850 – View Map
Compare. Compare. Compare.
There are still a few companies who don’t offer online price quotes and these small insurance companies sell through local independent agencies. Affordable Audi Q3 insurance in Baltimore is attainable both online in addition to many Baltimore insurance agents, so you should compare both to have the best rate selection.
When getting Baltimore auto insurance quotes online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.
Drivers leave their current company for any number of reasons including policy cancellation, denial of a claim, high rates after DUI convictions or not issuing a premium refund. Whatever your reason, switching car insurance companies is pretty easy and you might even save some money in the process.
More tips and info about car insurance is located in the articles below:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Female in Baltimore? (FAQ)
- Who Has Cheap Baltimore Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)