The easiest way to get low-cost auto insurance rates is to do an annual price comparison from providers who can sell car insurance in Baltimore. Rate comparisons can be done by following these guidelines.
First, learn about coverages and the modifications you can make to lower rates. Many things that increase rates such as speeding and an imperfect credit history can be rectified by improving your driving habits or financial responsibility. This article gives tips to get cheaper rates and find additional discounts you may qualify for.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple insurance companies.
Third, compare the new rate quotes to the price on your current policy to see if cheaper X-Type coverage is available. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current agent or company of your intention to cancel your current coverage. Submit a completed policy application and payment to your new carrier. Immediately upon receiving it, put the new proof of insurance certificate along with the vehicle’s registration papers.
The key aspect of shopping around is that you use the same amount of coverage on every price quote and and to get price quotes from as many companies as you can. This guarantees a fair rate comparison and the best price selection.
Remarkably, a study showed that most consumers kept their policy with the same company for over three years, and nearly 40% of drivers have never compared rate quotes at all. With the average premium in Maryland being $1,494, drivers can save about 55% each year by just comparing rate quotes, but most just don’t grasp the large savings they would see if they just switched companies.
The quickest way to compare rates for Jaguar X-Type insurance in Baltimore utilizes the fact almost all companies allow for online access to quote your coverage. The one thing you need to do is provide a little information including if the vehicle is leased, whether you drive to work or school, your education level, and daily mileage. The rating information is submitted instantly to all major companies and they return rate quotes almost instantly.
If you would like to compare rates now, click here and see if a lower rate is available in Baltimore.
The following companies can provide free rate quotes in Baltimore, MD. If you want to find the cheapest auto insurance in MD, we suggest you visit as many as you can in order to get a fair rate comparison.
You may qualify for discounts for Jaguar X-Type insurance in Baltimore
Companies that sell car insurance do not advertise every discount they offer in an easy-to-find place, so the list below contains both the well known in addition to some of the lesser obvious ways to save on car insurance.
- Discount for Swiching Early – Some larger companies reward drivers for switching companies prior to your current X-Type insurance policy expiring. This discount can save up to 10%.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates as compared to drivers with claims.
- Bundled Policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.
- Student Discounts – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
- Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
- Club Memberships – Joining a professional or civic organization could trigger savings when shopping for car insurance.
- Discounts for New Vehicles – Adding a new car to your policy can save up to 30% due to better safety requirements for new model year vehicles.
- Sign Online – A handful of companies give back up to $50 shop Baltimore car insurance over the internet.
- Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
- Save over 55 – Mature drivers may qualify for better car insurance rates.
Discounts lower rates, but some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will help reduce your policy premium.
Insurance companies that may offer policyholders most of these discounts may include but are not limited to:
If you want inexpensive Baltimore car insurance quotes, ask all the companies which discounts can lower your rates. Discounts might not be offered in Baltimore. To locate insurers that can offer you the previously mentioned discounts in Maryland, click this link.
When to have guidance from a local insurance agent
A small number of people still like to get professional advice from a licensed agent and doing that can be a smart decision Most agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing rate quotes online is you may find cheap auto insurance rates but also keep your business local. And providing support for neighborhood insurance agencies is definitely important in Baltimore.
After completing this simple form, your insurance data gets sent to participating agents in Baltimore that can provide free Baltimore car insurance quotes and help you find cheaper coverage. There is no need to leave your house because quoted prices will be sent directly to your email. If you want to get a rate quote from a specific company, don’t hesitate to find their quoting web page and complete a quote there.
Choosing an insurance company should include more criteria than just a cheap price. These are some valid questions you should ask.
- Is insurance their full-time profession?
- How will an accident affect your rates?
- Does their agency support local causes in Baltimore?
- How much can you save by raising your physical damage deductibles?
- When do they do policy reviews?
- Can they provide you with a list of referrals?
- Is their price quote a firm figure or are their hidden costs?
After receiving satisfactory answers for all questions you ask and an affordable coverage quote, you may have just found an insurance company that meets the criteria to service your policy.
How Your X-Type Insurance Rates are Determined
Consumers need to have an understanding of the rating factors that play a part in calculating your policy premiums. When consumers understand what determines base rates, this allows you to make educated decisions that can earn you better auto insurance rates.
The items below are some of the things auto insurance companies consider when setting your premiums.
- Drive a safer car and pay less – Safer cars are cheaper to insure. Vehicles engineered for safety protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy.
- Your age impacts your prices – Teenage drivers in Maryland have a tendency to be inattentive with other occupants in the car so auto insurance rates are higher. If you’ve ever had to add a teenage driver to your auto insurance policy can really hurt. Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents, and are safer drivers.
- Bad driving leads to higher premiums – Being a careful driver has a big impact on rates. Even a single driving citation can bump up the cost by twenty percent. Good drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have careless violations such as DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.
- Your car’s features help determine premiums – Buying a car with a theft deterrent system can save you some money. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.
- Annual miles is a factor – The higher the miles on your Jaguar every year the higher the price you pay to insure it. Many insurance companies rate vehicles based upon how much you drive. Cars and trucks that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Make sure your auto insurance policy properly reflects the correct driver usage. A policy that improperly rates your X-Type can result in significantly higher rates.
- Never let your policy lapse – Not maintaining insurance is a big no-no and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance could result in a license revocation or jail time. You may then be required to file a SR-22 with the Maryland DMV.
- Increase coverage deductibles to save – The deductibles you choose tell how much the insured will be required to pay if the claim is covered. Insurance for physical damage, also called ‘full coverage’, protects your car from damage. Some instances where coverage would apply are a windshield broken by a bird, vandalism, and damage caused by road hazards. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
Insurance just makes sense
Despite the high cost, insurance is a good idea for several reasons.
- Just about all states have minimum liability requirements which means you are required to buy a specific level of liability insurance coverage in order to drive the car. 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.
- If you took out a loan on your Jaguar X-Type, almost every bank will stipulate that you have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Jaguar at an extremely high rate and require you to fork over the higher price.
- Insurance protects both your vehicle and your personal assets. Insurance will also pay for medical bills that are the result of an accident. Liability coverage will also pay to defend you if you are sued as the result of an accident. If your Jaguar gets damaged, your policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in Maryland is overpaying more than $750 every year so it’s very important to do a rate comparison at every renewal to help ensure money is not being wasted.
Best auto insurance company in Baltimore
Choosing the best insurer is difficult considering how many companies provide coverage in Baltimore. The ranking data in the next section may help you analyze which providers you want to consider when shopping around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare auto insurance prices regularly to save
When shopping online for auto insurance, you should never reduce coverage to reduce premium. There have been many cases where an insured dropped full coverage and discovered at claim time that the savings was not a smart move. The goal is to get the best coverage possible at the best possible price, but do not skimp to save money.
Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, delays in paying claims, extreme rates for teen drivers and even an unsatisfactory settlement offer. Whatever your reason, finding a great new company can be pretty painless.
In this article, we presented a lot of techniques to lower your Jaguar X-Type insurance prices in Baltimore. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from a company that doesn’t do a lot of advertising.
More learning opportunities
- Teen Driving and Texting (State Farm)
- Who Has Cheap Auto Insurance for Teenage Males in Baltimore? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Baltimore? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Uber Drivers in Baltimore? (FAQ)
- What Insurance is Cheapest for Young Drivers in Baltimore? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What is Full Coverage? (Allstate)
- Rental Car Insurance Tips (Insurance Information Institute)
- What is a Telematics Device? (Allstate)