9 Discounts Gaithersburg Shoppers Forget when Quoting Car Insurance

Having to pay for overpriced car insurance can dwindle your checking account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Popular companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to get comparison quotes on a regular basis since rates are constantly changing. If you had the lowest rates a few years ago there may be better deals available now. So just ignore everything you know about car insurance because we're going to show you the tricks you need to know to save on car insurance.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates in Gaithersburg is quite easy. Nevertheless, Maryland car owners do need to know the way companies determine prices and use this information to your advantage.

Gaithersburg car insurance quote

These nine discounts can lower your rates

Car insurance is not cheap, but companies offer discounts to help offset the cost. Certain discounts will be applied at quote time, but lesser-known reductions have to be manually applied in order for you to get them.

  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Own a Home - Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class in high school.
  • Military Discounts - Being on active duty in the military can result in better rates.
  • Multi-policy Discount - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • No Claims - Drivers who don't have accidents can save substantially compared to frequent claim filers.
  • Low Mileage - Keeping the miles down can earn discounted rates on garaged vehicles.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • New Car Discount - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

Consumers should know that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce the cost of coverage.

For a list of providers with the best car insurance discounts in Gaithersburg, click here to view.

Car Insurance Prices in Gaithersburg, Maryland

Most major insurance companies quote insurance quotes online. Getting quotes doesn't take much effort as you simply enter the coverages you want as detailed in the form. Once entered, their rating system will obtain information on your driving record and credit history and quotes a price based on these factors. Online quotes makes it a lot easier to compare rates but having to visit several different sites and type in the same information is repetitive and time-consuming. But it's very important to perform this step if you are searching for better car insurance pricing.

A more efficient way to find lower prices is to use a quote form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes quoting online a lot less work. As soon as you send your information, it is quoted and you are able to buy your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the policy. It takes less than 15 minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you input the insurance coverages identical to your current policy. This helps ensure you will receive rate comparison quotes based on identical coverages.

Do the work, save more money

When shopping online for car insurance, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cost effective car insurance is possible from both online companies in addition to many Gaithersburg insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.