Owings Mills Car Insurance For Less Than You're Paying Now

Finding lower premiums on Owings Mills car insurance is hard for consumers new to shopping for insurance online. Drivers have so many choices that it can be more work than you anticipated to find lower rates in Owings Mills.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Pricing affordable car insurance coverage in Owings Mills is quite easy. Although Maryland consumers do need to know how insurance companies market on the web and apply this information to your search.

Take advantage of discounts

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but a few need to be asked for prior to getting the savings.

  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Accident Free - Claim-free drivers can save substantially when compared to drivers who are more careless.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • One Accident Forgiven - A few companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

compare Owings Mills car insurance rates

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing about savings if you move to them. How do they all claim to save you money? It's all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. For example, a driver they prefer might be over the age of 50, is a homeowner, and drives newer vehicles. Any driver who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be quoted a more expensive rate which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "people who quote" save money. That's why companies can truthfully claim big savings.

This emphasizes why you should get a wide range of price quotes. You cannot predict the company that will give you the biggest savings.

Additional information can be found on the Maryland Insurance Administration website found here. Visitors are able to download brochures, find a variety of consumer forms, and read industry bulletins.

Final considerations

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, being labeled a high risk driver, high rates after DUI convictions and even lack of trust in their agent. No matter why you want to switch, finding a new car insurance company is less work than it seems.

The cheapest car insurance is definitely available both online and with local Owings Mills insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

We just presented a lot of information how to reduce car insurance prices online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a small mutual company.