8 Discounts Chesapeake Beach Drivers Forget when Quoting Car Insurance

Nobody I know likes having to buy car insurance, particularly when they are paying too much. With consumers having so many car insurance companies to choose from, it's difficult to pick the lowest price insurer.

It's important to get comparison quotes periodically since rates are constantly changing. If you had the best deal two years ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the only way to save on car insurance.

Be sure to get all your discounts

Companies don't list all their discounts very well, so here is a list both the well known as well as the least known car insurance savings. If you don't get every credit you qualify for, you're paying more than you need to.

Bundle and Save - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts up to 30%.
Military Discounts - Having a deployed family member can result in better rates.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
Save with a New Car - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Senior Citizens - Mature drivers can possibly qualify for a discount up to 10%.
Drive Less and Save - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, it just doesn't work that way.

To see a list of companies with the best car insurance discounts in Maryland, follow this link.

Chesapeake Beach Car Insurance Comparisons

Shopping for lower car insurance rates can take hours if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to local insurance agents in Chesapeake Beach, or you could save time and use the web to get the quickest rates.

Many insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company then returns a price quote for coverage. This eliminates the need for repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is that consumers can't choose which carriers you want to price. So if you prefer to choose specific insurance companies to request quotes from, we have assembled a list of car insurance companies in Maryland. View list of Maryland insurance companies.

Which method you use is up to you, but be sure to compare apples-to-apples deductibles and coverage limits for each comparison quote. If you use different values for each quote it's not possible to determine the lowest rate in Chesapeake Beach.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help highlight whether or not you might need professional guidance.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
Can I still get insurance after a DUI?
Why am I required to get a high-risk car insurance policy?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Consumers in Maryland can't get away from ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you move your policy.

But how can every company claim to save you money?

All the different companies have a certain "appetite" for the right customer that is profitable for them. An example of a desirable insured might be between 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can state the savings. Because of the profiling, drivers must get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

A tidy conclusion

When buying insurance coverage, do not reduce coverage to reduce premium. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford.

We just covered a lot of information how to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with the least-expected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like .

Additional Maryland consumer information

Additional detailed information is available at the Maryland Insurance Administration website. Visitors are able to view agent and company licensing information, find out industry alerts, view a list of available companies, and file complaints about an insurance agent or broker.

Additional helpful sites include Wikipedia and this Chesapeake Beach agent directory.