Consumer Tested Strategies to Save on Perry Hall Auto Insurance

Overpriced auto insurance can overdraw your savings account and put a big crunch on your finances. Shopping your coverage around is a smart way to help make ends meet. There are many to buy insurance from, and although it's a good thing to have a selection, it makes it harder to compare rates.

How much can you save with discounts?

Companies that sell car insurance don't always list all available discounts very clearly, so we took the time to find some of the best known as well as the least known auto insurance savings. If you're not getting every credit you deserve, you're paying more than you need to.

Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Own a Home - Owning a home in Perry Hall may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it just doesn't work that way.

To see a list of insurers who offer auto insurance discounts in Maryland, follow this link.

Free Quotes for Auto Insurance in Perry Hall, Maryland

There are several ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in Perry Hall, or you could save time and use online quoting to achieve your goal.

Many insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company returns a rated price based on the submitted data. This eliminates the need for quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to doing it this way is you can't choose which carriers you want pricing from. So if you want to choose specific providers to compare prices, we have assembled a list of auto insurance companies in Maryland. Click to view list.

It doesn't matter which method you choose, just make darn sure you compare identical coverage information for each price quote. If you enter unequal deductibles or liability limits it's not possible to truly determine the lowest rate in Perry Hall.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in lower auto insurance prices.

The following are a few of the "ingredients" companies use to determine premiums.

Increase deductibles and save - Your deductibles represent how much money you are required to spend if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The higher the amount you're willing to pay, the bigger discount you will receive.
Mature drivers pay less - Teenage drivers in Maryland are known to get distracted easily when driving so they pay higher auto insurance rates. Adding a youthful driver to your policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.
Your spouse saves you money - Having a spouse can get you a discount when buying auto insurance. Having a spouse is viewed as being more mature and it's proven that married drivers get in fewer accidents.
Traffic citations inflate rates - Only having one moving violation can increase rates by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Rate your vehicle for proper use - Driving more miles in a year's time the more you'll pay to insure your vehicle. Most companies price each vehicle's coverage based on their usage. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage.

How much car insurance do I need?

When choosing the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs might need an agent's assistance.

Can I afford to buy a different vehicle if my vehicle is totaled?
Why does it cost so much to insure a teen driver in Perry Hall?
Does my policy cover my teen driver if they drive my company car?
Should I buy only the required Maryland minimum liability coverage?
What are the financial responsibility laws in Maryland?
Does my liability insurance cover pulling a trailer or camper?
Does medical payments coverage apply to all occupants?
Should I file a claim if it's only slightly more than my deductible?

If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Maryland drivers can't get away from ads for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies say the same thing that you can save after switching to them.

How does each company say the same thing?

All companies have a preferred profile for the type of driver that is profitable for them. For example, a profitable customer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards must pay higher premiums which usually ends up with business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can advertise the savings. This illustrates why drivers must get quotes from several different companies. It's not possible to predict which insurance companies will fit your personal profile best.

And the best car insurance company is...

Affordable auto insurance can be bought on the web and with local Perry Hall insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, never reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Additional detailed information can be found at the Maryland Insurance Administration website. Maryland drivers can report car insurance fraud, read enforcement actions against agents and companies, get help finding coverage, and file complaints about a company.