Dundalk Car Insurance For Less Than You're Paying Now

Searching for the cheapest Dundalk car insurance online can be somewhat difficult for beginners to buying insurance on the web. With so many choices of companies competing online, how can you have a chance to compare every one to find the lowest price?

It's important to get comparison quotes quite often because rates are constantly changing. If you had the best rates a few years ago there is a good chance you can find better rates now. There is a lot of wrong information about car insurance on the internet, so we're going to give you some great ways to reduce your car insurance bill.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better car insurance rates.

The list below includes some of the items that factor into your rates.

Consolidate policies to earn discounts - The majority of insurance companies give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to confirm you are receiving the best rates possible.
Men fork out a little more - Statistics have proven women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. Men and women are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
Small claims can cost you - If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance companies in Maryland generally give discounts to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
What type of vehicle do you drive? - The performance of the vehicle you drive makes a big difference in how high your rates are. The cheapest insurance rates are usually for lower performance four cylinder passenger cars, but other factors influence the final cost greatly.
Clean credit earns discounts - Your credit rating is a huge factor in determining what you pay for car insurance. Consumers who have good credit tend to be less risk to insure than those with lower credit ratings. If your credit rating can use some improvement, you could save money insuring your by improving your rating.

Low Cost Dundalk Car Insurance

All major car insurance companies allow you to get insurance quotes directly from their websites. The process doesn't take much effort as you simply enter your coverage information as detailed in the form. After the form is submitted, their rating system will obtain information on your driving record and credit history and generates pricing information based on these factors.

This makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information is not the best way to spend an afternoon. But it's very important to perform this step in order to find better car insurance pricing.

The preferred way to locate the lowest prices utilizes a single form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes online shopping much more enjoyable and efficient. As soon as you send your information, it is rated and you are able to buy any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter your coverages exactly as shown on your declarations page. This makes sure you will be getting rate comparison quotes for the exact same coverage.

These discounts can lower your rates

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Some trigger automatically at quote time, but some may not be applied and must be manually applied in order for you to get them. If you don't get every credit you deserve, you are paying more than you should be.

Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
55 and Retired - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Government Employees - Employees or retirees of the government can earn a discount up to 10% with certain companies.
Sign Early and Save - Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.

It's important to note that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates you could get a free car insurance policy, you're out of luck. But any discount will help reduce the cost of coverage.

To choose providers with the best car insurance discounts in Maryland, click here.

Are you falling for claims of savings?

Consumers can't ignore all the ads for car insurance savings from companies such as Allstate and Progressive. All the ads have a common claim that you can save if you move your policy.

But how can every company make the same claim? This is how they do it.

Different companies have a preferred profile for the right customer that makes them money. A good example of a preferred risk could be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A customer that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money and this can result in business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can advertise the way they do.

That is why you need to get a wide range of price quotes. Because you never know which insurance companies will provide you with the cheapest rates.

Different people need different coverages

When buying coverage for your personal vehicles, there really is no best way to insure your cars. Every insured's situation is different.

For instance, these questions may help you determine whether you would benefit from an agent's advice.

Do I need PIP (personal injury protection) coverage in Maryland?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Why am I required to get a high-risk car insurance policy?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

More information can be read on the Maryland Insurance Administration website. Click here for link. Consumers can read consumer alerts, learn about insurance regulations, and download brochures.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Dundalk insurance agents.

A tidy conclusion

When shopping online for car insurance, don't be tempted to reduce coverage to reduce premium. Too many times, drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including policy cancellation, denial of a claim, extreme rates for teen drivers or even high prices. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

We just showed you a lot of techniques to compare car insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the most savings is with a lesser-known regional company.