Free Guide to Paying Less for Ocean City Car Insurance Online

No one looks forward to paying for car insurance, especially when their premiums are too high. Big-name insurance companies like GEICO and Progressive constantly bombard you with fancy advertisements and it can be hard to sift through the bull and find the best price available.

It's important to do rate comparisons occasionally because rates are constantly changing. If you had the lowest price last year you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to find out the fastest and easiest way to find better coverage at a better price.

If you are insured now or are looking for a new policy, you can learn to get lower rates and still get good coverage. Finding affordable coverage in Ocean City is easy if you know what you're doing. Maryland vehicle owners just need to know the most effective way to compare prices online.

How much can you save with discounts?

Car insurance companies don't list all their discounts in a way that's easy to find, so we researched some of the more common and the more hidden car insurance savings. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Accident Forgiveness - A handful of insurance companies permit an accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Bundle and Save - If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Use Seat Belts - Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Sign Early and Save - A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Accident Free - Good drivers with no accidents pay much less as compared to drivers who are more careless.
  • Clubs and Organizations - Belonging to a civic or occupational organization could qualify you for a break on car insurance.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free car insurance policy, companies don't profit that way.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What companies insure drivers after a DUI or DWI?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing that you'll save big if you move to them.

How can each company make the same claim?

Different companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a desirable insured could be a mature driver, owns a home, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don't meet the requirements will have to pay a higher premium which usually ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save money. That is how companies can claim big savings. Because of the profiling, you should compare as many rates as you can. Because you never know which company will give you the biggest savings.

More detailed Maryland car insurance information is located at the Maryland Insurance Administration website. Consumers can learn about insurance regulations, read consumer alerts, find a variety of consumer forms, and download brochures.

Ocean City car insurance quote

Best coverage at the best price

Discount car insurance is definitely available from both online companies and with local Ocean City insurance agents, and you need to price shop both to have the best selection. A few companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut liability coverage limits only to discover later that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate.