Top 10 Ways to Get Lower Rates on Car Insurance in Millersville, MD

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you. Numerous battle for your business, so it can be very hard to choose a and get the definite lowest rate

It's important to do rate comparisons every six months since rates are constantly changing. Even if you think you had the best price two years ago a different company probably has better rates today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to how to quote online to lower your rates without sacrificing coverage.

These ten discounts can lower your rates

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Most are applied at the time of quoting, but less common discounts must be specially asked for before you will receive the discount. If they aren't giving you every credit possible, you are throwing money away.

  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Clubs and Organizations - Belonging to certain professional organizations is a good way to get lower rates on car insurance.
  • Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Safety Course Discount - Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Bundle and Save - If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • College Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • 55 and Retired - If you qualify as a senior citizen, you may receive reduced rates.
  • Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So when the math indicates you could get a free car insurance policy, you won't be that lucky. Any amount of discount will cut the cost of coverage.

Maryland car insurance quotes

Are you falling for claims of savings?

Consumers get pounded daily by advertisements that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you change to them.

How do they all make the same claim?

Different companies are able to cherry pick for the type of driver that earns them a profit. For example, a desirable insured could be over the age of 40, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will have to pay more money and ends up with business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save money. That's the way companies can truthfully state the savings.

Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Additional information can be found on the website for the Maryland Insurance Administration located here. Consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, find disaster information, and discover disciplinary actions.

Best coverage at the best price

When buying insurance coverage, you should never skimp on coverage in order to save money. In many instances, someone sacrificed physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford.

Cheaper car insurance is attainable from both online companies and with local Millersville insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.