How many times have you told yourself it’s time to shop around for cheaper Kia Sorento insurance in Baltimore? Have you finally had enough of wondering where the money will come from to insure your Kia every month? Your situation is no different than most other drivers in Maryland.
Surprisingly, a recent survey revealed that the vast majority of consumers have been with the same company for at least four years, and 38% of drivers have never compared quotes from other companies. With the average premium in the United States being $1,847, drivers can save approximately $859 each year by just comparing rate quotes, but they don’t understand how simple it is to shop their coverage around.
Steps to buying discount Kia Sorento insurance in Baltimore
The recommended way to find the cheapest price for Kia Sorento insurance is to regularly compare quotes from companies in Baltimore. Rate comparisons can be done by following these steps.
- Read about what is in your policy and the factors you can control to prevent high rates. Many factors that increase rates like traffic violations and an unacceptable credit history can be remedied by improving your driving habits or financial responsibility.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from many different companies.
- Compare the new quotes to your current policy premium to see if a cheaper rate is available. If you find a better price and change companies, make sure there is no coverage gap between policies.
- Tell your current agent or company to cancel your current policy. Submit a down payment along with a completed application for the new policy. As soon as you have the new policy, keep the new certificate of insurance in an accessible location in your vehicle.
A valuable tip to remember is to try to compare the same physical damage deductibles and liability limits on each price quote and and to get price quotes from as many different companies as possible. Doing this ensures a fair price comparison and the most accurate and complete price analysis.
Big companies like Allstate and Progressive promote their brand names with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
You need to quote other rates at least once a year because insurance prices fluctuate regularly. Despite the fact that you may have had the lowest rates on Kia Sorento insurance in Baltimore at your last renewal you can probably find a better rate quote now. There are lots of tips to save on Sorento insurance online, but by reading this article, you’re going to learn some tested techniques to slash your auto insurance rates in Baltimore.
How to buy Kia Sorento insurance in Baltimore, MD
When comparison shopping, more quotes will enable you to find the best offered rates.
The providers in the list below provide free rate quotes in Baltimore, MD. If your goal is to find cheaper auto insurance in Maryland, we suggest you get prices from several of them in order to find the lowest rates.
Do I need an insurance agent?
A small number of people just prefer to buy from a licensed agent. One of the great benefits of comparing insurance prices online is that you can find lower rates and still buy from a local agent. And providing support for local insurance agencies is important particularly in Baltimore.
After filling out this quick form, the quote information is transmitted to local insurance agents who will give you bids for your business. You don’t have to visit any agencies since price quotes are sent to your email. It’s the lowest rates and work with a local agent. If for some reason you want to compare prices from a specific car insurance provider, don’t hesitate to go to their quote page and fill out their quote form.
If you are wanting to purchase car insurance from a good insurance agency, it helps to know the two types of agencies that differ in how they can insure your vehicles. Baltimore agents are classified as either independent agents or exclusive agents.
Independent Agents (or Brokers)
Agents in the independent channel do not write with just one company and that allows them to write policies amongst many companies and get you the best rates possible. If they find a lower price, they simply switch companies in-house and you don’t have to find a new agent.
If you need cheaper car insurance rates, we recommend you check rates from several independent agencies to maximize your price options.
Listed below is a partial list of independent insurance agencies in Baltimore who may be able to give you price quotes.
Baltimore Insurance Network
11 E Lexington St – Baltimore, MD 21202 – (443) 869-6424 – View Map
Kirby Insurance Agency, Inc.
14 W Saratoga St #100 – Baltimore, MD 21201 – (410) 837-2320 – View Map
Austen’s Insurance Inc
3407 Eastern Blvd – Baltimore, MD 21220 – (410) 686-4700 – View Map
Exclusive Agents
These agents can only provide one company’s prices and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to provide other company’s prices so keep that in mind. They are trained well on their company’s products and that enables them to sell even at higher rates.
The following is a short list of exclusive insurance agents in Baltimore that are able to give price quotes.
Scott Garvey – State Farm Insurance Agent
211 Key Hwy – Baltimore, MD 21230 – (667) 309-3792 – View Map
Farmers Insurance – Charles Connolly
6719 York Rd – Baltimore, MD 21212 – (443) 863-7733 – View Map
Eve Hamper – State Farm Insurance Agent
1118 Light St A – Baltimore, MD 21230 – (410) 528-8900 – View Map
Finding a good insurance agent should depend on more than just the bottom line cost. You should also get answers to these questions.
- Do they have 24-hour customer assistance?
- Does the company have a solid financial rating?
- How much will you save each year by using a higher deductible?
- How does the company pay claims for a total loss?
- Is insurance their full-time profession?
- Which family members are covered?
- What are their preferred companies if they are an independent agency?
- Are claim adjusters local or do you have to take your car somewhere else?
Best car insurance in Baltimore
Buying coverage from a good quality insurance provider is hard considering how many companies are available to choose from in Baltimore. The company information in the lists below may help you pick which car insurance companies you want to consider when shopping your coverage around.
Top 10 Baltimore Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive