Car Insurance in Crownsville Maryland - 8 Tricks to Save Money

Having to pay for overpriced car insurance can dwindle your savings account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Drivers have multiple to pick from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Nevertheless, Maryland consumers do need to know the way companies price insurance differently because it can help you find the best coverage.

Car Insurance Prices in Crownsville, Maryland

There are several ways to get quotes from local Crownsville car insurance companies. One of the best ways to find the cheapest insurance rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

  1. The fastest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quotation requests for each company. One form submission gets rate comparisons from car insurance companies with the best prices.
  2. A more time consuming way to compare rate quotes is spending the time to visit the website of each company to complete a price quote. For sake of this example, let's assume you want comparison quotes from , and . You would have to spend time on each company's site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Crownsville, click here.

It's up to you which method you use, but ensure you are comparing identical information for every company. If you enter higher or lower deductibles it will be very difficult to decipher which rate is best in Crownsville. Quoting even small variations in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find the best price.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Certain discounts will be applied at quote time, but a few must be asked for in order for you to get them.

  • No Accidents - Drivers who don't have accidents pay much less when compared to accident-prone drivers.
  • Accident Waiver - Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Life Insurance - Larger companies have a discount if you purchase life insurance from them.
  • Distant Student - Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Low Mileage Discounts - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
  • Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance.
  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.

It's important to understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will bring down your overall premium however.

To choose insurance companies who offer car insurance discounts in Maryland, click here to view.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise of big savings after switching to their company. How does each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. For instance, a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be quoted more money and ends up with the customer not buying. The ad wording is "drivers who switch" not "people who quote" save that much. This is how insurance companies can confidently claim big savings.

This emphasizes why you need to get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Additional car insurance information is located on the website for the Maryland Insurance Administration. Click here for link. Visitors are able to read industry bulletins, get help finding coverage, view agent and company licensing information, and read enforcement actions against agents and companies.

Other informative sites include this online resource for car insurance quotes in Maryland and this list of insurance agents in Crownsville.

Final considerations

Low-cost car insurance can be purchased both online and also from your neighborhood Crownsville agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide online price quotes and these small, regional companies work with independent agents.

When trying to cut insurance costs, make sure you don't reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage and learned later that it was a big mistake. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.