How to Find Low-Cost Catonsville Auto Insurance

Shopping for the lowest cost Catonsville auto insurance over the internet can seem to be difficult for beginners to buying insurance on the web. With so many insurers available, how can consumers even start to compare every one to find the cheapest rates?

It's important to compare rates quite often because prices are constantly changing. Just because you found the best price on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're about to learn the quickest way to buy cheaper auto insurance.

Finding affordable coverage in Catonsville is quite easy. In a nutshell, anyone who has to buy auto insurance will most likely be able to save money. Nevertheless, Maryland drivers do need to know the way insurance companies sell online and apply this information to your search.

Catonsville auto insurance comparison

Be sure to get all your discounts

Companies don't necessarily list all their discounts very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • College Student - Kids in college who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Save over 55 - Older drivers may receive better auto insurance rates.
  • Own a Home - Owning a house in Catonsville can help you save on auto insurance because maintaining a house is proof that your finances are in order.
  • Good Student Discount - Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Life Insurance - Larger companies have a break if you buy life insurance from them.
  • Accident Waiver - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way.

For a list of companies with discount auto insurance rates in Maryland, click here to view.

Low Cost Catonsville Auto Insurance

Performing a rate comparison can take time and effort if you don't know the best way to get rate quotes. You can waste hours talking to insurance agencies in Catonsville, or you can stay home and use online quoting for quick rates.

Most car insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company then gives them pricing based on that data. This saves time by eliminating quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify the companies to receive prices from. So if you want to choose individual companies to compare, we have a listing of the cheapest auto insurance companies in Maryland. Click here to view list.

It's up to you which method you use, but make darn sure you compare apples-to-apples quote information for every company. If you have mixed coverages you will not be able to decipher which rate is best in Catonsville. Quoting even small variations in coverage limits may result in a large different in cost. And when comparison shopping, getting more free quotes gives you a better chance of getting a better price.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured's situation is different.

For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Why does it cost so much to insure a teen driver in Catonsville?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • When do I need to add a new car to my policy?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in Maryland?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form.

Final considerations

When you buy insurance online, don't be tempted to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage for the lowest price.

Cost effective auto insurance can be sourced online and also from your neighborhood Catonsville agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

People leave their current company for any number of reasons including not issuing a premium refund, lack of trust in their agent, delays in paying claims and policy cancellation. Regardless of your reason, switching auto insurance companies is not as hard as you think.