Comparison Shop Havre De Grace Auto Insurance Prices With These Tricks

Purchasing low-cost Havre De Grace auto insurance on the internet is challenging for people who are new to price shopping online. With dozens of choices, how can you possibly compare them all to find the lowest price available?

It's important to compare prices on a regular basis since insurance rates are constantly changing. Despite the fact that you may have had the best deal on your last policy you may be paying too much now. Starting now, ignore everything you know about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

Which Auto Insurance is Cheapest in Havre De Grace, Maryland?

Getting better auto insurance pricing isn't really that difficult. You just have to invest a few minutes comparing rates provided by online insurance companies. This is very easy and can be done in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quote forms for each company you want a rate for. One form submission will get you rate comparisons from many national carriers. This is perfect if you don't have a lot of time.

A harder way to get quotes online requires you to visit each individual company website and request a quote. For example, we'll assume you want comparison quotes from , and . To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Havre De Grace, click here.

The least efficient way to get comparison rates is to waste gas driving to and from local Havre De Grace insurance agencies. Shopping for auto insurance online makes this process obsolete unless you prefer the trained guidance that only a license agent can provide. You can, however, compare the best prices online and still use a local agent and we'll touch on that later.

Which method you use is up to you, but ensure you are comparing the exact same coverage information with every price quote. If you compare unequal deductibles or liability limits it will be impossible to find the best deal in Havre De Grace.

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that help determine auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are some of the factors used by your company to calculate rates.

  • Marriage brings a discount - Being married can get you a discount when buying auto insurance. It translates into being more responsible and it's statistically proven that married drivers get in fewer accidents.
  • Older drivers save more - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are known to be more careless when driving therefore auto insurance rates are much higher.
  • Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, architects and accountants have higher rates than average attributed to high stress levels and long work days. On the flip side, professions such as pilots, athletes and performers get better rates.
  • High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and windstorm damage. Your deductibles are how much you are required to spend before a claim is paid by your company. The more money you have to pay, the bigger discount you will receive.
  • More than one policy can earn a discount - Many companies will give a discount to people who carry more than one policy. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to shop around to verify if the discount is saving money.
  • A clean driving record saves money - Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with the DMV in their state in order to keep their license.

Save big with these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but some must be inquired about prior to getting the savings. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Sign Online - A few companies give back up to $50 for buying your policy on their website.
  • Senior Discount - Older drivers may be able to get a small decrease in premiums.
  • Claim Free - Drivers who don't have accidents can earn big discounts as compared to frequent claim filers.
  • Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

For a list of companies who offer auto insurance discounts in Havre De Grace, follow this link.

Additional information is available on the Maryland Insurance Administration website through this link. Maryland drivers can get help finding coverage, read enforcement actions against agents and companies, and read industry bulletins.

Best coverage at the best price

Cheap auto insurance can be bought on the web as well as from independent agents in Havre De Grace, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online quoting and most of the time these smaller companies sell through independent agents.

When you buy insurance online, never reduce needed coverages to save money. In many cases, drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate.

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, high rates after DUI convictions and lack of trust in their agent. Whatever your reason, finding the right auto insurance provider is not as hard as you think.