7 Tricks Guaranteed to Save Money on Car Insurance Costs in Brunswick

Expensive car insurance can drain your bank account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to help make ends meet.

Online insurance companies like GEICO and Progressive persitently shower you with advertising and it can be hard to sift through the bull and do the work needed to find the best deal.

It's important to check car insurance prices quite often since rates are constantly changing. If you had the lowest rates a few years ago you can probably find a lower rate today. Starting right now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

Maryland car insurance

Free Quotes for Car Insurance in Brunswick, Maryland

The are a couple different ways to compare rate quotes from local Brunswick car insurance companies. The best method to compare insurance prices consists of shopping online. This can be done in a couple of different ways.

  • The recommended way to get quotes is a comparison rater form (click to open form in new window). This form eliminates the need for separate quotes for each company you want a rate for. One form gets you coverage quotes instantly.
  • A different way to shop for car insurance online consists of going to each company website and fill out their own quote form. For example, let's say you want comparison quotes from , and . To get each rate you have to visit each site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in Brunswick, click here.
  • The hardest way of comparing rate quotes is driving to different Brunswick agent offices. The internet has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. Drivers can get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make darn sure you compare exactly the same coverages for every quote you compare. If you compare different limits and deductibles on each one it's not possible to determine the best price in Brunswick. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, quoting more will improve the odds of getting lower pricing.

Policy discounts you shouldn't miss

Car insurance companies don't list every available discount in a way that's easy to find, so we break down some of the more common as well as the least known ways to save on car insurance.

  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • 55 and Retired - Mature drivers can possibly qualify for reduced rates.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • E-sign - A few companies will give a small break for buying your policy digitally online.
  • Auto/Life Discount - Companies who offer life insurance give better rates if you take out life insurance.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of providers with the best car insurance discounts in Brunswick, click this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in Maryland?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Does my liability insurance cover pulling a trailer or camper?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

More sites with car insurance information

Even more information can be found at the Maryland Insurance Administration website. Consumers can file complaints about a company, learn about insurance regulations, find a variety of consumer forms, and download brochures.