Easy Ways to Pay Less on Damascus Auto Insurance

If you've never shopped for auto insurance online, it's easy to get overwhelmed by the sheer number of auto insurance companies selling insurance in Damascus.

Buying car insurance in Damascus is easy if you know what you're doing. If you have car insurance now, you will be able to save some money using these methods. But Maryland consumers do need to know the way companies price insurance differently and take advantage of how the system works.

auto insurance in Damascus

Automobile Insurance Quotes in Damascus, MD

There are several ways of comparing rates from different Damascus insurance companies. The best method to find the lowest rates is to use the internet to compare rates. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form entry for every auto insurance company. A single form gets rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.
  • A slightly less efficient method to compare rate quotes is spending the time to visit the website for every company you want to comare and fill out their own quote form. For examples sake, we'll assume you want to compare , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Damascus, click here.
  • The most time-consuming method to get comparison rates is to waste gas driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you want the personal advice of a local Damascus agent. It is possible to get the lowest quotes online and still use a local agent. We'll cover that shortly.

Whichever method you choose, make absolute certain that you use identical information for each comparison quote. If the quotes have higher or lower deductibles you can't possibly determine the lowest rate in Damascus. Slightly different insurance coverages may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes helps locate the best price.

Take advantage of discounts

Companies do not advertise all available discounts very clearly, so here is a list both the well known and also the lesser-known discounts you could be receiving.

  • Driver Safety - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Student in College - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Paperless Signup - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Accident Forgiveness - Certain companies allow you one accident before raising your premiums so long as you haven't had any claims prior to the accident.

Consumers should know that some credits don't apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurers who offer auto insurance discounts in Maryland, click here.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.

These are some specific questions might point out whether your personal situation might need an agent's assistance.

  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver in Damascus?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving my company car?
  • Should I have combined single limit or split liability limits?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

For more Maryland car insurance information

More detailed Maryland auto insurance information is available at the Maryland Insurance Administration website. Visitors are able to discover disciplinary actions, find out industry alerts, and view agent and company licensing information.