Easy Tips to Save Money on Lusby Car Insurance

If you are a novice to online car insurance shopping, it's easy to get confused by the vast number of car insurance companies competing for business in Lusby.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Pricing affordable coverage in Lusby is quite easy. But Maryland consumers do need to know how insurance companies sell insurance online and apply this information to your search.

Save big with these discounts

Car insurance companies do not list every discount in an easy-to-find place, so we took the time to find both the well known and the more hidden savings tricks you should be using.

Service Members Pay Less - Being on active duty in the military could mean lower rates.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Air Bag Discount - Cars that have air bags or motorized seat belts can get savings of more than 20%.
Defensive Driver - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance from them.
Homeowners Savings - Simply owning a home can help you save on car insurance because owning a home is proof that your finances are in order.
Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
Good Student - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
Paperwork-free - Some insurance companies may give you up to $50 for buying a policy and signing up on their website.
Memberships - Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free car insurance policy, companies wouldn't make money that way.

To see a list of insurance companies offering car insurance discounts in Lusby, click here to view.

Lusby Car Insurance Quote Comparison

There are several ways to get quotes from different Lusby insurance companies. The best method to find the cheapest insurance rates is simply to get online rate quotes. This can be done in several different ways.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each company. A single form will return quotes from multiple low-cost companies. It's the fastest way to compare.
A more time consuming way to get quotes online is to take the time to go to the website of each company and fill out their own quote form. For examples sake, let's say you want to compare , and . You would have to take the time to go to each site and enter your information, which is why most consumers use the first method.

To view a list of companies in Lusby, click here.

It's up to you which method you use, but make absolute certain that you use the exact same coverages and limits for each comparison quote. If you use different deductibles it will be impossible to determine the lowest rate in Lusby. Quoting even small variations in insurance coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes will increase your chances of finding a lower rate.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to better car insurance rates.

Optional equipment can affect rates - Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
Poor credit can mean higher rates - Having a bad credit score is a large factor in determining your rates. So if your credit score is lower than you'd like, you could pay less to insure your by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
Poor driving leads to higher costs - Careful drivers receive lower rates than bad drivers. Even one ticket can boost insurance rates twenty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
Do you need those extra coverages? - There are many additional coverages that can waste your money when buying car insurance. Coverages like roadside assistance, accident forgiveness and term life insurance may be costing you every month. They may seem like a good idea at first, but if they're wasting money get rid of them and save.

But I don't know anything about car insurance

When choosing the right insurance coverage for your vehicles, there is no "best" method to buy coverage. Everyone's needs are different.

These are some specific questions might point out if your situation may require specific advice.

Am I covered when pulling a rental trailer?
Does my insurance cover a custom paint job?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?
What are the financial responsibility laws in Maryland?
Does my policy cover my teen driver if they drive my company car?
Am I covered if I drive in a foreign country?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all make an identical promise that you'll save big if you switch to their company. How do they all claim to save you money?

Different companies have a certain "appetite" for the driver that is profitable for them. For example, a driver they prefer might be over the age of 50, owns a home, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will be quoted higher prices and ends up with the customer not buying. The ads state "people who switch" not "people who quote" save that much. That is how companies can state the savings. This emphasizes why drivers must get as many comparisons as possible. It's just too difficult to predict which company will give you the biggest savings.

Shop smart and save

People switch companies for many reasons like unfair underwriting practices, policy cancellation, poor customer service or delays in responding to claim requests. Whatever your reason, finding the right car insurance provider is actually quite simple.

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where an insured cut physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

We just covered some good ideas how you can compare car insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the biggest savings come from an unexpected company.

More detailed Maryland car insurance information can be found at the Maryland Insurance Administration website. Visitors are able to view a list of available companies, find out industry alerts, and file complaints about a company.