10 Tips to Save on Car Insurance in Baldwin Maryland
Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other drivers in Maryland. You have multiple to pick from, and although it's a good thing to have a selection, having more makes it harder to compare rates.
Comprehensive Car Insurance Comparison in Baldwin
Most companies like State Farm, Allstate and GEICO allow you to get pricing directly from their websites. Getting quotes is pretty easy as you simply type in the amount of coverage you want into the quote form. When the form is submitted, their rating system will obtain information on your driving record and credit history and gives you a price quote. This makes comparing rates easy, but the process of having to visit many different websites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.
A quicker way to find cheaper rates is to use a quote form that gets prices from several companies at one time. It's a real time-saver, requires much less work on your part, and makes rate comparisons much easier to do. Immediately after submitting the form, it is rated and you can select any one of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.
To find out how much you're overpaying now, click here and input your coverage information. If you have coverage now, it's recommended that you enter your coverages exactly as shown on your declarations page. This ensures you will have a fair comparison for similar insurance coverage.
More discounts equal less premium
Car insurance companies don't list every discount very clearly, so we researched some of the more common as well as the least known discounts you could be receiving. If you're not getting every credit available, you're paying more than you need to.
- Drivers Education - Have your child successfully complete driver's ed class if it's offered in school.
- Payment Method - By paying your policy upfront instead of paying each month you can actually save on your bill.
- Distant Student - Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
- Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
- Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
- Passive Restraint Discount - Cars that have air bags may earn rate discounts up to 30%.
- Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.
- One Accident Forgiven - Certain companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
- Low Mileage Discounts - Fewer annual miles could be rewarded with a substantially lower rate.
- Accident Free - Claim-free drivers pay much less when compared to bad drivers.
It's important to note that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So when the math indicates you could get a free car insurance policy, you're out of luck.
To see a list of insurance companies who offer car insurance discounts in Maryland, click here.
Additional detailed information is located at the Maryland Insurance Administration website. Consumers can download brochures, view a list of available companies, read enforcement actions against agents and companies, and view agent and company licensing information.
Additional helpful sites include this site for car insurance rates in Maryland and this list of insurance agents in Baldwin, MD.
