5 Discounts Bethesda Drivers Forget when Quoting Car Insurance

Searching for the most affordable Bethesda car insurance online can be somewhat difficult for consumers new to comparison shopping online. With so many choices of companies competing online, how can consumers effectively compare the different rates to find the cheapest rates?

It's important to get comparison quotes yearly since rates are constantly changing. If you had the best deal six months ago there is a good chance you can find better rates now. Starting now, ignore everything you know about car insurance because we're going to show you the proper way to save on car insurance.

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Compare Car Insurance Today

All major car insurance companies allow you to get insurance quotes on the web. Getting quotes doesn't take much effort as you just type in your required coverages into the quote form. After the form is submitted, their rating system will obtain your driving and credit reports and returns a price quote based on these and other factors.

Online quotes makes it a lot easier to compare rates but the process of having to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to find a lower rate.

The preferred way to compare car insurance pricing is to use a quote form that gets price quotes from several different companies. It's a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable. Once the form is submitted, it is rated and you are able to buy your choice of the resulting price quotes.

If a lower price is quoted, you can click and sign and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To find out how much you're overpaying now, click here and submit the form. If you have a policy now, it's recommended you copy your coverages exactly as shown on your declarations page. This makes sure you will receive a fair comparison for the exact same coverage.

More discounts equal less premium

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Certain discounts will be applied at the time you complete a quote, but some must be requested specifically prior to getting the savings.

  • College Student - Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
  • New Car Discount - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Bundle and Save - If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.

It's important to note that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck. But any discount will reduce your premiums.

To choose companies with the best car insurance discounts in Bethesda, click here.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim that you can save if you move your policy. How can each company make the same claim?

All the different companies have a preferred profile for the right customer that makes them money. An example of a desirable insured could be between the ages of 30 and 50, has no prior claims, and has a high credit rating. Any new insured that hits that "sweet spot" is entitled to the best price and therefore will save when they switch companies.

Potential customers who do not match the requirements will have to pay a more expensive rate and this can result in business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save that kind of money. This is how insurance companies can state the savings.

Because of the profiling, you need to get a wide range of price quotes. It's just too difficult to predict which insurance companies will have the lowest rates.

It's not one size fits all

When buying proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you might need an agent's assistance.

  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when pulling a rental trailer?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

More information is available on the Maryland Insurance Administration website located here. Consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and download brochures.

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Affordable insurance is out there

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage at a price you can afford.

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, delays in paying claims, extreme rates for teen drivers or even policy non-renewal. It doesn't matter why you want to switch choosing a new insurance company is easier than you think.

Lower-priced car insurance is possible from both online companies in addition to many Bethesda insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.