Proven Techniques to Save on Colesville Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say many Colesville consumers feel financially strained by their car insurance policy. You have multiple to pick from, and even though it's nice to have a selection, having more makes it harder to compare rates.

Finding affordable coverage in Colesville is easy if you know what you're doing. If you have a policy now or need a new policy, you can follow these tips to get lower rates while maintaining coverages. Maryland vehicle owners just need to know the most effective way to compare rates on the web.

compare Colesville car insurance rates

Comprehensive Colesville Car Insurance Comparison Quotes

Cutting your Colesville car insurance rates is a fairly straight forward process. Consumers just need to take a couple of minutes comparing rate quotes online from several insurance companies. This can be done in a couple of different ways.

  • The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests for each company you want a rate for. Completing one form gets you price quotes from car insurance companies with the best prices.
  • A slightly less efficient method to shop for car insurance online requires a trip to the website of each company and complete a new quote form. For examples sake, we'll assume you want to compare rates from , and . To get each rate you have to take the time to go to each site to input your insurance information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Colesville, click here.
  • The least efficient method of getting rate comparisons is driving to insurance agents' offices. The internet has reduced the need for local agents unless you have a need for the personal advice that only a license agent can provide. You can, however, get the lowest quotes online but buy from a local insurance agent and you'll learn how to do that later.

Whichever way you use, compare identical quote information on every quote. If you use mixed coverages it will be very difficult to make a fair comparison in Colesville.

Policy discounts you shouldn't miss

Companies do not list every discount very clearly, so here is a list both the well known and the harder-to-find car insurance savings. If you're not getting every credit possible, you're paying more than you need to.

  • Drivers Education - Have your child successfully complete driver's ed class if offered at their school.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy qualifies for this discount.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
  • Distant Student - Children who live away from home and don't have a car can receive lower rates.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • No Charge for an Accident - Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Homeowners Discount - Simply owning a home may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of insurance companies with discount car insurance rates in Maryland, follow this link.

Find out more about car insurance

More detailed Maryland car insurance information is available at the Maryland Insurance Administration website. Visitors are able to view a list of available companies, find disaster information, report car insurance fraud, and view agent and company licensing information.

Additional helpful sites include this site for car insurance rates in Maryland and this list of insurance agents in Colesville, MD.