Compare Monrovia Auto Insurance Prices With These Methods

Are you intimidated by the sheer number of auto insurance companies in Monrovia? Many other consumers are too. There are so many companies to choose from that it can turn into more work than you anticipated to find the best price.

Choosing the best insurance company for you in Monrovia is easy if you know what you're doing. If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. But Maryland vehicle owners do need to know the way companies sell online and use this information to your advantage.

compare Monrovia auto insurance rates

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise every discount very well, so we break down some of the best known and the more hidden ways to save on auto insurance.

  • Payment Method - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
  • No Charge for an Accident - Some insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
  • Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Military Rewards - Having a family member in the military may qualify for rate reductions.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
  • Distant Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Accident Free - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies wouldn't make money that way.

For a list of insurance companies who offer auto insurance discounts in Maryland, click this link.

Comprehensive Monrovia Auto Insurance Comparison

There are multiple methods to compare auto insurance prices but one way is easier and takes less work. You can waste hours talking to agents in Monrovia, or you can utilize online quoting for quick rates.

Most car insurance companies take part in a program that enables customers to send in one quote, and each company provides a quote for coverage. This system prevents you from having to do form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is you can't choose the companies to get quotes from. If you prefer to choose individual companies for rate comparison, we have a page of low cost auto insurance companies in Maryland. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information with every price quote. If you use mixed coverages it will be next to impossible to find the best deal in Monrovia. Having just a slight variation in insurance coverages can mean a large discrepancy in price. Just remember that more quotes gives you a better chance of getting the best offered rates.

Shop smart and save

Insureds change insurance companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, denial of a claim and poor customer service. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.

Budget-conscious auto insurance can be sourced on the web and with local Monrovia insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.

In this article, we covered many ideas to get a better price on auto insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may even discover the lowest rates come from a company that doesn't do a lot of advertising.