Compare Fulton Auto Insurance Prices With These Methods

Are you intimidated by the crazy number of auto insurance options in Fulton? You're not the only one! Consumers have so many choices that it can turn into a real hassle to compare prices.

It's important to get comparison quotes every six months since insurance rates are constantly changing. If you had the best price two years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate one of the easiest ways to get good coverage at a lower rate.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

With age comes lower rates - Teenage drivers in Maryland tend to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Liability insurance protects assets - The liability section of your policy provides coverage if ever a jury decides you are liable for damages caused by your negligence. It provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Sex matters - Statistics demonstrate that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Women and men have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
An active claims history can cost you - Car insurance companies in Maryland generally give lower rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can expect higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
Rates may be lower depending on your job - Jobs such as lawyers, social workers and financial analysts are shown to have higher average rates because of high stress and lengthy work days. Conversely, occupations like actors, engineers and the unemployed pay the least.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specially asked for prior to getting the savings.

Senior Discount - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Organization Discounts - Affiliation with a qualifying organization may earn a discount on auto insurance.
Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you could save 5% or more.
Drivers Education - Cut your cost by having your teen driver complete a driver education course in high school.
Sign Online - Certain companies give back up to $50 just for signing your application over the internet.

It's important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, you're out of luck. But any discount will bring down the amount you have to pay.

To choose companies with the best auto insurance discounts in Maryland, click here.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to have a common claim that you can save if you move your policy. How does each company say the same thing?

All companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and chooses high deductibles. A propective insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate and this can result in business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can state the savings.

Because of the profiling, you should compare as many rates as you can. It's not possible to predict which auto insurance company will give you the biggest savings.

More information can be found on the Maryland Insurance Administration website located here. Maryland drivers can read enforcement actions against agents and companies, find out which companies have the most complaints, and view a list of available companies.

Final considerations

When buying insurance coverage, it's very important that you do not buy poor coverage just to save money. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

Lower-priced auto insurance is possible on the web in addition to many Fulton insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, questionable increases in premium, unfair underwriting practices or even denial of a claim. No matter why you want to switch, choosing a new insurance company is easier than you think.