To save the most money, the best way to find the cheapest price for Ford Freestar insurance in Baltimore is to annually compare prices from insurance carriers who provide auto insurance in Maryland. Prices can be compared by completing these steps.
First, learn about how your policy works and the modifications you can make to prevent high rates. Many things that cause high rates such as your driving record and a bad credit rating can be eliminated by making minor changes to your lifestyle. Continue reading for ideas to keep prices down and find discounts that may have been missed.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple insurance companies.
Third, compare the new rates to your current policy and determine if there is any savings. If you can save money, make sure there is no coverage gap between policies.
A good tip to remember is that you use the same level of coverage on every price quote and and to get rate quotes from as many companies as feasibly possible. This helps ensure a level playing field and a complete price analysis.
We don’t have to point out that fact that auto insurance companies don’t want policyholders to shop around. People who shop for lower prices will most likely buy a different policy because they stand a good chance of finding a more affordable policy premium. A recent study showed that people who compared rates annually saved about $3,500 over four years compared to policyholders who never shopped for cheaper rates.
If finding the lowest rates on car insurance in Baltimore is your target objective, then having an understanding of the best way to compare insurance premiums can make it easier to shop your coverage around.
Most of the larger companies allow consumers to get prices direct online. Getting online rates for Ford Freestar insurance in Baltimore is easy for anyone because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. After the form is submitted, the quote system requests your driving record and credit report and returns a price based on the information you submitted. The ability to get online quotes for Ford Freestar insurance in Baltimore streamlines rate comparisons, and it’s absolutely necessary to have as many quotes as possible if you want to get a lower rate.
To find out how much you’re overpaying now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you enter the coverages identical to your current policy. This guarantees you will be getting a price comparison using the same coverage and limits.
The providers in the list below have been selected to offer quotes in Baltimore, MD. If multiple companies are listed, we recommend you visit two to three different companies to get the best price comparison.
Compare prices but work with a neighborhood Baltimore auto insurance agent
A lot of people still prefer to go talk to an agent and that is recommended in a lot of cases Experienced insurance agents can answer important questions and give you someone to call. A good thing about price shopping on the web is the fact that drivers can get the best rates but still work with a licensed agent. Buying from local insurance agents is important especially in Baltimore.
After filling out this simple form, your information is instantly submitted to local insurance agents in Baltimore who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house because quoted prices will be sent instantly to you. If you need to get a comparison quote from a specific auto insurance provider, feel free to search and find their rate quote page and complete a quote there.
Types of car insurance agents in Baltimore
If you are searching for a local Baltimore insurance agent, there are a couple of types of agencies and how they are distinctly different. Auto insurance agencies can be described as either independent (non-exclusive) or exclusive. Both insure your vehicles, but it is a good idea to know the difference in how they write coverage since it could factor into which type of agent you select.
Independent Agents
Independent insurance agents are not employed by any specific company and that enables them to quote your coverage with lots of companies and find the cheapest auto insurance rates. If prices rise, an independent agent can move your coverage and you don’t have to find a new agent.
When comparing rates, you will want to include several independent agencies so that you can do a thorough price comparison.
The following are Baltimore independent insurance agencies that can give you free auto insurance rate quotes.
Austen’s Insurance Inc
3407 Eastern Blvd – Baltimore, MD 21220 – (410) 686-4700 – View Map
Morgan Smith Insurance Agency
847 W 36th St – Baltimore, MD 21211 – (410) 889-9290 – View Map
Maryland Auto Insurance (the new MAIF)
1215 E Fort Ave #300 – Baltimore, MD 21230 – (800) 492-7120 – View Map
Exclusive Agents
Agents in the exclusive channel can only provide one company’s prices and some examples include Farmers Insurance, Allstate, or State Farm. They usually cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are trained well on what they offer which helps overcome the inability to quote other rates.
The following are exclusive agents in Baltimore that can give you price quote information.
Allstate Insurance: Kent Schwab
401 Jefferson Ave – Towson, MD 21286 – (410) 433-4700 – View Map
Charmaine Barnes – State Farm Insurance Agent
900 S Ellwood Ave – Baltimore, MD 21224 – (410) 675-1900 – View Map
Rich Garcia State Farm Insurance Agency
9526 Belair Rd – Baltimore, MD 21236 – (410) 248-3276 – View Map
Choosing an auto insurance agent should depend on more than just the premium amount. These are some questions your agent should answer.
- If they are an independent agency in Baltimore, which companies do they recommend?
- Which company do they place the most coverage with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will one accident increase rates?
- Does the agent have a valid license to sell insurance in Maryland?
How to find a good Baltimore car insurance company
Buying coverage from the highest-rated car insurance provider can be challenging considering how many companies sell insurance in Baltimore. The ranking data below could help you analyze which auto insurers you want to consider to insure your vehicles.
Top 10 Baltimore Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Baltimore Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance