Easy Methods to Save Money on Cheverly Auto Insurance

Are you intimidated by the number of auto insurance choices in Cheverly? Many other drivers are as well. Drivers have so many options that it can turn into a real hassle to find the lowest price.

Buying car insurance in Cheverly is easy if you know what you're doing. Basically, every driver who is required by state law to have auto insurance will most likely be able to cut their insurance bill. But Maryland vehicle owners do need to know how the larger insurance companies price insurance differently and take advantage of how the system works.

Take advantage of discounts

Companies don't necessarily list every discount very well, so here is a list some of the best known as well as the least known discounts you could be receiving.

  • No Claims - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
  • Multiple Vehicles - Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount - When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Driver's Ed - Require your teen driver to successfully complete driver's ed class if it's offered in school.
  • Driver Safety - Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • New Vehicle Savings - Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Military Discounts - Being deployed with a military unit may qualify for rate reductions.

Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

For a list of insurance companies who offer auto insurance discounts in Maryland, click here.

Compare Quotes for Cheverly Auto Insurance

There are several ways of comparing rate quotes from auto insurance companies in your area. The recommended way to find the cheapest insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating boring form submissions for each company. Filling out one form gets rate comparisons from all major companies. This is by far the quickest method.

A less efficient way to compare rate quotes is spending the time to visit the website of each company to complete a price quote. For instance, we'll assume you want to compare rates from , and . You would have to go to every website and enter your policy data, which is why the first method is more popular.

To view a list of companies in Cheverly, click here.

The most time-consuming method to get comparison rates is to spend your day driving to and from local Cheverly insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the personal advice of a licensed agent. It is possible to compare online quotes and still use a local agent and we'll touch on that later.

However you get your quotes, ensure you are comparing apples-to-apples information with each company. If your comparisons have higher or lower deductibles it's impossible to make an equal comparison in Cheverly. Slightly different insurance coverages could mean much higher rates. Just remember that having more price comparisons provides better odds of finding the best price.

Do the work, save more money

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, policy non-renewal and extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

Discount auto insurance can be purchased on the web in addition to many Cheverly insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and these smaller companies work with independent agents.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.