Tightwads Tips for Saving on Grantsville Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say you're not alone.

Drivers have multiple to pick from, and even though it's nice to have a selection, it can be more challenging to compare rates.

It's important to take a look at other company's rates at least once a year because insurance rates are constantly changing. Just because you found the lowest rates a couple years back you can probably find a lower rate today. So block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.

Buying car insurance in Grantsville is not that difficult. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Although Maryland drivers do need to know the way insurance companies sell online and use this information to your advantage.

Maryland auto insurance

Compare the Market for Auto Insurance in Grantsville

There are several ways of comparing rate quotes from auto insurance companies in your area. The best method to compare insurance prices is to perform an online rate comparison. This can be done in several different ways.

  • The recommended way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form prevents you from having to do a different quote for each company. Completing one form gets you price quotes .
  • A less efficient way to compare rate quotes requires a trip to each company website to request a price quote. For examples sake, we'll assume you want to compare rates from , and . You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in Grantsville, click here.
  • The hardest method of getting rate comparisons is driving to local Grantsville insurance agencies. Buying insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. Drivers can get the lowest quotes online and still use a local agent.

It's up to you how you get prices quotes, just compare identical quote information for each price quote. If the quotes have mixed coverages you can't possibly truly determine the lowest rate in Grantsville. Having just a slight variation in coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes helps you find a better price.

Take advantage of discounts

Companies don't always advertise every available discount very clearly, so we break down both well-publicized and also the lesser-known ways to save on auto insurance.

  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Low Mileage - Low mileage vehicles can earn better rates on cars that stay parked.
  • Multiple Cars - Insuring all your vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Safety Course Discount - Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Save over 55 - Mature drivers may receive better auto insurance rates.
  • Memberships - Participating in a qualifying organization could trigger savings on your policy.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

To see a list of providers with discount auto insurance rates in Maryland, click this link.

Even more information can be found at the Maryland Insurance Administration website. Maryland consumers can file complaints about a company, find disaster information, report car insurance fraud, and file complaints about an insurance agent or broker.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Grantsville insurance agents.