Top 7 Ways to Pay Less on Car Insurance in Woodbine

No one likes having to buy car insurance, especially when the cost is way too high. Having so many choices of insurance companies, it can be challenging to locate the lowest price insurance company.

It's important to take a look at other company's rates periodically since rates are constantly changing. Even if you think you had the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you're about to learn how to quote online to get good coverage at a lower rate.

Finding the best rates in Woodbine is quite easy. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Maryland drivers only need an understanding of the proper way to shop for car insurance on the web.

These seven discounts can lower your rates

Companies offering auto insurance do not advertise all their discounts very well, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If you don't get every credit you qualify for, you are throwing money away.

  • Accident Forgiveness - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Safety Course Discount - Completing a driver safety course can save you 5% or more if you qualify.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • College Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • Homeowners Savings - Owning a house in Woodbine can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

It's important to understand that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it doesn't quite work that way.

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that For instance, these questions may help highlight whether you would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Maryland?
  • What are Maryland no-fault laws?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to make an identical promise of big savings if you change to their company.

But how can every company make the same claim?

All companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured could be between 25 and 40, a clean driving record, and has great credit. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will have to pay a more expensive rate and ends up with business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that much. That is how insurance companies can confidently advertise the savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

Additional Maryland consumer information

More tips and info about car insurance can be found at the Maryland Insurance Administration website. Consumers can learn about insurance regulations, file complaints about a company, discover disciplinary actions, and find out industry alerts.

Also read more on this site for Maryland car insurance information and see this list of insurance agents in Woodbine.

Maryland car insurance

Best coverage at the best price

Low-cost car insurance is attainable from both online companies and also from your neighborhood Woodbine agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

You just learned some good ideas how you can reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the most savings is with a small local company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In many cases, someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford.