6 Ways You Can Buy Car Insurance for Less in Maugansville Maryland

Are you overwhelmed by the crazy number of car insurance choices in Maugansville? You're not the only one! You have so many options that it can turn into a ton of work to locate the lowest price.

Save big with these six discounts

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Some discounts apply automatically when you quote, but less common discounts must be specifically requested prior to getting the savings.

  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Paperwork-free - A handful of insurance companies may give you up to $50 just for signing your application on their website.
  • Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Multiple Policy Discount - If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

It's important to note that most credits do not apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you're out of luck. But any discount will cut your overall premium however.

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Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing that you can save after switching to them. How do they all claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer might be over the age of 50, has no tickets, and has excellent credit. Any new insured who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will be quoted a higher premium which usually ends up with the customer not buying. The ad wording is "customers who switch" not "people who quote" save money. That's the way insurance companies can make those claims.

This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

Find out more about car insurance

More information can be found on the Maryland Insurance Administration website found here. Visitors are able to view a list of available companies, discover disciplinary actions, and get help finding coverage.

car insurance in Maugansville

The best insurance company isn't always the cheapest

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, an unsatisfactory settlement offer and even lack of trust in their agent. Whatever your reason, finding a new car insurance company is less work than it seems.

Lower-priced car insurance can be sourced both online and with local Maugansville insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

While you're price shopping online, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.