8 Tricks to Save on Car Insurance in Beltsville, MD

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are many people just like you. Lots of contend for your hard-earned dollar, so it can be very hard to choose a and uncover the absolute lowest price

If you have a current car insurance policy or need a new policy, you will benefit by learning to find better prices and still get good coverage. Buying car insurance in Beltsville is easy if you know what you're doing. Maryland vehicle owners just need to know the most efficient way to get comparison rates over the internet.

car insurance in Beltsville

Save big with these eight discounts

Companies don't always publicize all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known car insurance savings. If they aren't giving you every credit possible, you are paying more than you should be.

  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Driver Safety - Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% depending on your company.
  • Auto/Home Discount - If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies wouldn't make money that way.

To choose insurers who offer car insurance discounts in Beltsville, follow this link.

Car insurance ads bend the truth

Consumers can't ignore all the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies say the same thing that you'll save big after switching to their company.

How do they all make the same claim?

Different companies are able to cherry pick for the driver that makes them money. A good example of a profitable customer could be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile must pay more money which usually ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That's the way companies can advertise the way they do. This illustrates why you should compare many company's rates. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

More detailed Maryland car insurance information can be read at the Maryland Insurance Administration website. Consumers can find disaster information, report car insurance fraud, read enforcement actions against agents and companies, and read consumer alerts.

A tidy conclusion

Budget-conscious car insurance can be bought from both online companies and also from your neighborhood Beltsville agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, never buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.