Best Ways to Save on Baltimore, MD Auto Insurance

The best way to find discount auto insurance rates in Baltimore is to compare prices once a year from companies in Maryland. You can compare prices by following these steps.

First, it will benefit you to learn about individual coverages and the factors you can control to drop your rates. Many risk factors that cause rate increases such as getting speeding tickets and bad credit can be controlled by making minor changes to your lifestyle. Later in this article we will cover additional ideas to get cheaper coverage and get additional discounts that may be available.

Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can give you price quotes for many different companies. View companies

Third, compare the price quotes to the price on your current policy to determine if you can save on insurance. If you can save money and change companies, make sure coverage does not lapse between policies.

Fourth, provide proper notification to your current company to cancel your current car insurance policy and submit payment and a signed application to your new company or agent. Once the application is submitted, put the proof of insurance paperwork in your glove compartment.

A tip to remember is to make sure you’re comparing similar limits and deductibles on every price quote and and to get rates from as many auto insurance providers as possible. Doing this enables an apples-to-apples comparison and the best rate selection.

It’s safe to conclude that car insurance companies don’t want you quoting rates from other companies. Insureds who compare rates at least once a year will presumably move their business because of the high probability of finding a policy with more affordable rates. A survey found that drivers who compared rates regularly saved over $3,450 over four years as compared to drivers who never compared prices.

If finding the lowest price for auto insurance is your ultimate objective, then learning about how to get free comparison quotes and analyze coverages can help you succeed in finding affordable rates.

How to find affordable auto insurance in Baltimore, Maryland

The companies in the list below are ready to provide price quotes in Baltimore, MD. If you want to find cheap auto insurance in MD, we suggest you compare several of them to get the best price comparison.

Car Insurance Rates for Popular Vehicles in Baltimore
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $1,534 $767 $128
Dodge Ram Crew Cab Sport 4WD $1,686 $843 $141
Ford Escape Limited 2WD $1,254 $627 $105
Ford Explorer Eddie Bauer 4WD $1,478 $739 $123
Ford F-150 Lariat Crew Cab 2WD $1,478 $739 $123
Ford Focus SE 4-Dr Sedan $1,404 $702 $117
Honda Accord LX-S 2-Dr Coupe $1,610 $805 $134
Honda CR-V LX 4WD $1,218 $609 $102
Honda Civic DX 4-Dr Sedan $1,404 $702 $117
Honda Odyssey EX-L $1,516 $758 $126
Hyundai Elantra GLS 4-Dr Sedan $1,516 $758 $126
Kia Optima SX $1,648 $824 $137
Nissan Altima 2.5 S 4-Dr Sedan $1,516 $758 $126
Nissan Rogue SL AWD $1,610 $805 $134
Toyota Camry SE $1,516 $758 $126
Toyota Corolla LE $1,516 $758 $126
Toyota Prius $1,368 $684 $114
Toyota Tacoma Double Cab 4WD $1,440 $720 $120
Get Rate Quotes for Your Vehicle Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Information does not factor in specific garaging location which can raise or lower premiums considerably.

Buying the right vehicle insurance in Maryland is an important decision

Even though it can be expensive, insurance is required in Maryland but also provides important benefits.

First, the majority of states have compulsory liability insurance requirements which means the state requires specific limits of liability protection if you want to drive legally. 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 your vehicle has a lienholder, it’s most likely the lender will require you to have physical damage coverage to guarantee payment of the loan. If the policy lapses, the lender will be forced to insure your vehicle for a lot more money and force you to pay the higher price.

Third, auto insurance protects both your car and your personal assets. It will also pay for medical bills incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. According to a 2015 survey, the average American driver overpays more than $750 every year so you should quote and compare rates at every policy renewal to make sure the price is not too high.

Verify you’re receiving every discount

Buying auto insurance is not cheap, but companies offer discounts that can drop the cost substantially. Certain reductions will be credited when you purchase, but a few must be manually applied before you will receive the discount.Auto insurance discounts

One thing to note about discounts is that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, nobody gets a free ride. Any amount of discount will bring down the amount you have to pay.

Large auto insurance companies and the discounts they provide include:

When quoting, ask every insurance company which discounts you qualify for. Depending on the company, some discounts may not be offered in Baltimore.

Different people need different car insurance coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect thatDrive safe and save
These are some specific questions might help in determining whether you might need professional guidance.

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.