Tightwads Guide to Saving on Bryans Road Car Insurance

Paying for high-priced car insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparison shopping is a great way to cut your insurance bill.

Because there are so many companies to choose from, it's difficult to locate the lowest price provider.

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. A few discounts will automatically apply when you purchase, but a few need to be requested specifically before being credited.

  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
  • Safety Course Discount - Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and don't have a car may qualify for this discount.
  • Paperwork-free - Some insurance companies may give you up to $50 for buying your policy online.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

compare Bryans Road car insurance rates

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to better car insurance rates.

  • Optional equipment can affect rates - Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Men are more aggressive - Statistics have proven women tend to be less risk to insure than men. Now that doesn't mean men are worse drivers. Men and women tend to get into accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets like DUI and reckless driving.
  • Extra add-on coverages are wasting money - There are quite a few add-on coverages that can waste your money when buying car insurance. Things like roadside assistance, accident forgiveness and term life insurance are some examples. These may sound like a good investment initially, but if they're wasting money remove them from your policy.
  • Do you qualify for a multi-policy discount? - Some insurance companies provide better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to ensure the best deal.
  • Older drivers pay less - Youthful drivers in Maryland have a tendency to be careless and easily distracted when driving so car insurance rates are higher. If you've ever had to add a youthful driver to your car insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in Maryland?
  • Why does it cost so much to insure a teen driver in Bryans Road?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all have a common claim about savings if you change to their company. But how can every company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the driver that earns them a profit. For example, a driver they prefer might be between 30 and 50, insures multiple vehicles, and has a high credit rating. Any driver that hits that "sweet spot" will qualify for the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher prices and this can result in the customer not buying. The ad wording is "customers who switch" not "people who quote" save that much. This is how companies can truthfully state the savings.

This emphasizes why drivers should get a wide range of price quotes. You cannot predict which insurance companies will have the lowest rates.

Additional information can be found on the website for the Maryland Insurance Administration found here. Visitors are able to view a list of available companies, learn about insurance regulations, discover disciplinary actions, and read consumer alerts.

Also read more on this page for car insurance prices in Maryland and this list of insurance agents in Bryans Road, MD.

Bryans Road car insurance comparison

Do the work, save more money

As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

Cheaper car insurance is attainable both online and also from your neighborhood Bryans Road agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.