Proven Techniques to Save on Jessup Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, in particular when they are paying too much.

Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to lower auto insurance prices.

  • Frequent auto insurance claims increase rates - Companies in Maryland award cheaper rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is designed for larger claims.
  • Better credit scores mean better rates - Having a bad credit score is a huge factor in determining your rates. If your credit history is lower than you'd like, you could save money insuring your by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit.
  • Consolidate policies to earn discounts - Most insurers provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you're getting this discount it's in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Your car's features help determine rates - Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.

Jessup Auto Insurance Quote Comparison

Comparing auto insurance rates can be a daunting task if you don't understand the most efficient way to do it. You can spend your afternoon driving to insurance agencies in Jessup, or you can stay home and use online quotes to get rates in a matter of minutes.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company returns a competitive quote for coverage. This saves time by eliminating repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which providers to get quotes from. If you would rather choose specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in Maryland. Click here for list of insurance companies in Maryland.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles for every quote you compare. If you use different liability limits you will not be able to determine the best price in Jessup. Quoting even small variations in coverages may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices will increase your chances of finding the best rates.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Federal Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Organization Discounts - Participating in a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in school.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To choose insurance companies offering auto insurance discounts in Jessup, click here to view.

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make an identical promise about savings if you switch your policy. How can each company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the right customer that makes them money. An example of a driver they prefer could possibly be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be quoted higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do.

This emphasizes why you need to get quotes from several different companies. It's impossible to know which company will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured's situation is different so your insurance should reflect that For example, these questions might point out whether or not you will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Additional information is available on the website for the Maryland Insurance Administration. Click here for link. Maryland consumers can download brochures, find out industry alerts, read consumer alerts, and view a list of available companies.

Jessup auto insurance quote

Shop smart and save

When shopping online for auto insurance, it's not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

Cheaper auto insurance can be found online in addition to many Jessup insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and these smaller companies work with independent agents.