Tightwads Tips for Saving on Adelphi Auto Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Maryland drivers. Drivers have so many to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Despite the fact that you may have had the lowest rates last year you will most likely find a better rate today. So just forget all the misinformation about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

Finding affordable coverage in Adelphi is easy if you know what you're doing. If you have a current auto insurance policy or need a new policy, you can learn to find the best rates while maximizing coverage. Maryland vehicle owners just need to know the tricks to compare prices over the internet.

How much can you save with discounts?

Companies don't always list all their discounts very clearly, so we break down some of the best known and the more hidden savings tricks you should be using. If you're not getting every credit available, you are throwing money away.

  • New Vehicle Savings - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Claim Free - Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Drive Less and Save - Fewer annual miles can earn discounted rates on garaged vehicles.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way.

Maryland auto insurance quotes

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

Maryland drivers get pounded daily by advertisements for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all seem to make an identical promise that you'll save big after switching your coverage to them.

How does each company say the same thing?

All the different companies can use profiling for the type of customer that earns them a profit. For example, a desirable insured might be profiled as over the age of 50, is a homeowner, and has great credit. A propective insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher rates and ends up with business not being written. The ads state "people who switch" but not "drivers who get quotes" save that much money. That's why companies can advertise the savings. Because of the profiling, you should get a wide range of price quotes. It's not possible to predict the company that will give you the biggest savings.

Learn more today

More detailed Maryland auto insurance information can be found at the Maryland Insurance Administration website. Maryland drivers can file complaints about an insurance agent or broker, read industry bulletins, read enforcement actions against agents and companies, and learn about insurance regulations.

And the best car insurance company is...

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate.

Discount auto insurance can be bought on the web as well as from independent agents in Adelphi, and you should be comparing both to get a complete price analysis. There are still a few companies who don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.