Top Ways to Save on Hyattsville Auto Insurance

No one likes having to buy auto insurance, particularly when the cost is way too high. With consumers having so many options when it comes to auto insurance, it can be challenging to choose the right provider.

It's important to compare prices periodically because prices are constantly changing. Just because you had the best price a year ago you may be paying too much now. Ignore everything you know about auto insurance because you're about to learn the proper way to find better coverage at a better price.

Pricing affordable coverage in Hyattsville is quite easy. If you have insurance now or are shopping for new coverage, you can use these techniques to find the best rates while maintaining coverages. Maryland drivers only need an understanding of the tricks to buy auto insurance online.

Hyattsville Auto Insurance Comparisons

Most major insurance companies quote price estimates on the web. This process is quite simple as you just type in your personal and coverage information as detailed in the form. Behind the scenes, the system will obtain your driving and credit reports and generates pricing information. This streamlines rate comparisons, but the time it takes to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to perform this step if you are searching for the best price on auto insurance.

There is an easier way!

A less time-consuming method to compare rates uses one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it is quoted and you can choose any or none of the returned quotes.

If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you copy coverages and limits exactly as they are listed on your policy. This way, you are getting rate quotes based on similar coverages.

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with big savings.

  • Are you male or female? - Statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. They both are in accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • The type of vehicle makes a difference - The type of car you own makes a huge difference in how high your rates are. The most favorable rates are for economy passenger vehicles, but the cost you end up paying is determined by many additional factors.
  • Cautious drivers pay less - Drivers who don't get tickets receive lower rates than bad drivers. Just one citation can bump up the cost twenty percent or more. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • How many coverages with the same company - Most companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to shop around to verify if the discount is saving money.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few need to be specifically requested prior to getting the savings. If you don't get every credit you qualify for, you're just leaving money on the table.

  • Accident Forgiveness - Some insurance companies permit an accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Discount for Life Insurance - Larger companies have a break if you buy auto and life insurance together.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Save with a New Car - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.

It's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies offering auto insurance discounts in Maryland, follow this link.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different so your insurance needs to address that. For instance, these questions may help highlight whether you may require specific advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in Maryland?
  • Why am I required to buy high-risk coverage?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

Additional auto insurance information can be found on the website for the Maryland Insurance Administration through this link. Visitors are able to learn about insurance regulations, learn about specific coverages, file complaints about a company, and read consumer alerts.

Other useful links include this site for Maryland auto insurance information and see this list of insurance agents in Hyattsville.

Maryland auto insurance

And the best car insurance company is...

Low-cost auto insurance is available both online as well as from independent agents in Hyattsville, and you should be comparing both to have the best rate selection. Some companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

We covered many ways to lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from an unexpected company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as .

While you're price shopping online, do not reduce needed coverages to save money. In many cases, someone dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate.