Top 6 Ways to Save Money on Car Insurance in Chevy Chase

Shopping for affordable Chevy Chase car insurance on the internet can be rather challenging for consumers not familiar with shopping for insurance online. Because there are so many choices, how can you even start to compare every company to locate the lowest rates?

Be sure to get all your discounts

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we researched both the well known and also the lesser-known car insurance savings.

Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Discount for Life Insurance - Some companies give lower rates if you buy life insurance.
Low Mileage Discounts - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Safety Course Discount - Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
Save with a New Car - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.

It's important to note that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like all the discounts add up to a free policy, you're out of luck.

How do I know if I need professional advice?

When it comes to buying the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Every situation is different.

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

Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Should I rate my vehicle as pleasure use or commute?
When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Who is covered when they drive my vehicle?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Is there truth in advertising?

Car insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing that you can save if you change to their company. How do they all claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a driver they prefer might be a mature driver, has no prior claims, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher rates which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can claim big savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Maryland

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

Do the work, save more money

Consumers leave their current company for a variety of reasons including unfair underwriting practices, delays in paying claims, delays in responding to claim requests and even denial of a claim. Regardless of your reason, finding a new car insurance company is less work than it seems.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice collision coverage and learned later that it was a big mistake. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Lower-priced car insurance is attainable both online and also from your neighborhood Chevy Chase agents, and you need to price shop both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.