Really, the only way to find low-cost Chevy Uplander insurance in Baltimore is to start comparing prices regularly from insurers who can sell car insurance in Maryland.
- Get an understanding of car insurance and the measures you can control to drop your rates. Many policy risk factors that increase rates such as at-fault accidents, careless driving, and a not-so-good credit score can be remedied by making small lifestyle or driving habit changes.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates from multiple insurance companies.
- Compare the price quotes to your current policy premium and see if there is a cheaper rate in Baltimore. If you can save some money, make sure coverage is continuous and does not lapse.
- Provide notification to your current company to cancel the current policy. Submit the signed application along with the required initial payment to the new company. As soon as you have the new policy, place the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
One key aspect when comparing rates is to make sure you’re comparing the same level of coverage on every price quote and and to get prices from as many carriers as you can. Doing this provides the most accurate price comparison and a complete price analysis.
It’s shocking but the vast majority of Maryland car insurance customers have remained with the same car insurance company for at least four years, and approximately 38% of consumers have never compared rates from other carriers. Drivers in the U.S. can save $860 each year just by comparing rates, but they don’t understand how simple it is to compare rates online.
The providers in the list below have been selected to offer free rate quotes in Baltimore, MD. If your goal is to find cheap car insurance in Maryland, we suggest you visit two to three different companies in order to get a fair rate comparison.
Take policy discounts and save on Chevy Uplander insurance in Baltimore
Some providers don’t always advertise all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find ways to save on car insurance.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
- Switch and Save Discount – Select larger companies give a discount for buying a policy before your current Uplander insurance policy expires. This discount can save up to 10%.
- Federal Employees – Active or former government employment can earn a discount up to 10% depending on your company.
- Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies permit an accident without the usual rate increase if you have no claims for a particular time prior to the accident.
- Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
- Baltimore Homeowners Pay Less – Owning a home in Baltimore may trigger a policy discount on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
- Responsible Driver Discount – Drivers who avoid accidents can save up to 40% or more on their Baltimore auto insurance quote than less cautious drivers.
You can save money using discounts, but most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you’re out of luck.
For a list of car insurance companies with the best Chevy Uplander insurance discounts in Baltimore in Baltimore, click here to view.
Learn How to Get Car Insurance More Affordably
Many things are used when pricing auto insurance. Some factors are common sense like your driving record, although others are less apparent like where you live or your financial responsibility.
- Reserve claims for larger damages – Car insurance companies in Maryland provide discounts to policyholders who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for major claims that would cause financial hardship.
- Bundle and save – The majority of insurers will give lower prices to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to as much as ten percent or more Even if you already get this discount, you still need to check prices from other companies to guarantee you are still saving the most. You may still be able to find lower rates by buying insurance from more than one company.
- Safer cars cost less to insure – Vehicles with good safety scores cost less to insure. Vehicles built for safety reduce the chance of injuries and fewer injuries means less money paid by your insurance company and lower rates for you.
- Discounts for married drivers – Having a wife or husband actually saves money when buying car insurance. Having a significant other translates into being less irresponsible it has been statistically shown that drivers who are married are more cautious.
- Gender and auto insurance – Statistics demonstrate that females take fewer risks when driving. It does not mean males are worse at driving than females. Both sexes tend to get into fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations such as DWI and reckless driving. Male drivers age 16 to 19 cause the most accidents so they pay the highest premiums.
- Your job can affect premiums – Jobs like fire fighters, architects, and emergency personnel tend to have the highest rates attributed to high stress levels and long work hours. Conversely, jobs like professors, engineers and performers receive lower rates.
Compare prices but buy from a local Baltimore insurance agency
Many drivers just want to talk to a local agent and we recommend doing that Professional insurance agents can help you choose the best coverages and help in the event of a claim. A good thing about getting free rate quotes online is you may find cheap insurance rates and still have an agent to talk to. Supporting small agencies is especially important in Baltimore.
Once you complete this short form, your information is submitted to companies in Baltimore who will gladly provide quotes to get your business. It’s much easier because you don’t need to even leave your home as quotes are delivered immediately to you. If for some reason you want to compare rates from a specific company, feel free to visit that company’s website and fill out their quote form.
When narrowing the list to find a local agent, there are two types of insurance agents and how they differ in how they quote coverages. Baltimore agents can be described as either independent or exclusive depending on the company they work for. Either can insure your vehicles, but it’s worth mentioning the difference in the companies they write for because it can factor into the type of agent you choose.
Independent Insurance Agents
Agents of this type are not employed by any specific company so they have the ability to put coverage with a variety of different insurance companies and get you the best rates possible. If you are not satisfied with one company, they simply switch companies in-house and you won’t have to switch agencies.
If you are trying to find cheaper rates, you absolutely need to compare prices from independent agents in order to have the best price comparison.
Shown below are Baltimore independent insurance agencies that may be able to give you free price quotes.
Exclusive Insurance Agencies
Exclusive agents can only place business with one company and examples are American Family, State Farm, and Allstate. They are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agencies receive a lot of sales training on the products they sell which can be an advantage.
Listed below are Baltimore exclusive insurance agencies willing to provide price quote information.
Mindy Andreychek – State Farm Insurance Agent
8502 Harford Rd Ste B – Baltimore, MD 21234 – (410) 668-7600 – View Map
Finding the right auto insurance agent shouldn’t rely on just a cheap price quote. Agents should be asked these questions:
- Does the agent recommend any additional coverage?
- By raising physical damage deductibles, how much would you save?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which companies can they place coverage with?
- Will the quote change when the policy is issued?
- Is the agent properly licensed in Maryland?
Auto insurance is unique, just like you
When choosing a policy, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your auto insurance should be unique as well.
For example, these questions might help in determining if your insurance needs might need an agent’s assistance.
- If my car is totaled with they pay enough to replace it?
- Can I still get insurance after a DUI?
- What does medical payments coverage do?
- Are my friends covered when driving my Chevy Uplander?
- Can I afford low physical damage deductibles?
- What if an uninsured driver hits me?
- When should I have rental car coverage?
- Which is better, split liability limits or combined limits?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Which auto insurance company is best in Maryland?
Ending up with the best auto insurance company can be rather challenging considering how many different companies insure vehicles in Baltimore. The rank data shown below could help you analyze which insurers to look at to insure your vehicles.
Top 10 Baltimore Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Baltimore Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Compare insurance prices regularly to save
As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed full coverage only to find out that it was a big mistake. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.
We covered a lot of information how to save on Chevy Uplander insurance in Baltimore. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best rates are with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like Allstate or State Farm.
For more information, take a look at the following helpful articles:
- Auto Insurance FAQ (Farmers Insurance)
- How Much are Auto Insurance Rates for a Chevrolet Silverado in Baltimore? (FAQ)
- Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Baltimore? (FAQ)
- What is the Cheapest Auto Insurance in Baltimore, Maryland? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)