Free Guide to Saving Money on Kensington Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you're not alone.

With consumers having so many companies to choose from, it can be hard to find the best car insurance company.

Tips to Get Lower Kensington Rates

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to big savings.

Listed below are some of the factors used by your company to calculate prices.

Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Careers like doctors, business owners and stock brokers have the highest rates due to high stress and lots of time spent at work. On the other hand, professions such as actors, students and homemakers get better rates.
Extra add-on coverages are wasting money - There are many extra coverages that can waste your money if you aren't careful. Things like roadside assistance, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good initially, but now you might not need them so remove them from your policy.
High credit ratings translate to low rates - Having a bad credit score is a big factor in calculating your auto insurance rates. So if your credit is lower than you'd like, you could save money insuring your by improving your rating. People with good credit tend to be more responsible than those with poor credit.
High crash test scores lower rates - Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates.
Adjust deductibles and save - Deductibles for physical damage define the amount you are willing to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you have to pay, the less your auto insurance will be.
Always keep insurance in force - Having an insurance coverage lapse is a fast way to bump up your auto insurance costs. Not only will you pay more, getting caught without coverage might get you a revoked license or a big fine.You may need to file a SR-22 with the Maryland department of motor vehicles.
A clean driving record saves money - A bad driving record has a big impact on rates. Even one speeding ticket can bump up the cost by twenty percent. Drivers who don't get tickets get better rates than bad drivers. If you have serious violations such as DUI or reckless driving may find they need to file a SR-22 with the DMV in their state in order to continue driving.

Quick Kensington Auto Insurance Quotes

There are several ways to compare rate quotes from auto insurance companies in your area. One of the best ways to find the cheapest insurance rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to find low rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing repetitive form entry to each individual auto insurance company. Completing one form compares rates direct from many companies.
A harder way to compare rate quotes is going to the website of each company and complete a new quote form. For example, we'll assume you want to compare rates from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

To view a list of companies in Kensington, click here.
The least recommended method to compare rates is driving around to and from local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional advice only provided by licensed agents. However, consumers can find lower rates online and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but compare apples-to-apples coverage limits and deductibles on every quote. If you compare different liability limits you can't possibly make a fair comparison in Kensington. Quoting even small variations in limits may result in large price differences. Just keep in mind that comparing more company's prices gives you a better chance of getting the best rates.

Take advantage of discounts

Companies don't necessarily list every discount very well, so here is a list some of the best known and also the lesser-known savings tricks you should be using.

Claim Free - Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Passive Restraints - Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
Low Mileage Discounts - Driving fewer miles can qualify you for discounted rates on garaged vehicles.

Keep in mind that most discounts do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it just doesn't work that way.

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

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all make an identical promise that you can save if you switch your coverage to them. But how can every company say the same thing? It's all in the numbers.

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a driver they prefer might be profiled as between 25 and 40, has no tickets, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher rates and ends up with business not being written. The ads say "customers who switch" not "people who quote" save that much money. That's the way insurance companies can make the claims of big savings. This emphasizes why you need to compare many company's rates. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional detailed information is available at the Maryland Insurance Administration website. Maryland drivers can read industry bulletins, discover disciplinary actions, find out industry alerts, and find disaster information.

Other informative sites include this online resource for auto insurance quotes in Maryland and this list of insurance agents in Kensington.

Affordable insurance is out there

Affordable auto insurance can be found on the web as well as from independent agents in Kensington, so you should compare both to get a complete price analysis. Some insurance providers don't offer online price quotes and these smaller companies work with independent agents.

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.