Tightwads Guide to Saving on Oxon Hill Auto Insurance

I can't think of a single person who enjoys paying for auto insurance, in particular when they are paying too much.

With consumers having so many online and local companies to choose from, it's difficult to choose the lowest price provider.

It's important to price shop coverage occasionally because insurance rates are constantly changing. Even if you think you had the best deal a year ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about auto insurance because you're about to learn the only way to lower your annual insurance bill.

Choosing the best insurance company for you in Oxon Hill is easy if you know what you're doing. Essentially everyone who is required by state law to have auto insurance will be able to save money. But Maryland drivers do need to know how big insurance companies market insurance on the web and take advantage of how the system works.

Oxon Hill auto insurance quote

Don't pay full price with these discounts

Companies don't list every available discount very well, so here is a list both well-publicized and the more hidden discounts you could be receiving.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Safety Course Discount - Taking part in a course in driver safety can save you 5% or more depending on where you live.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Low Mileage - Low mileage vehicles can qualify you for a substantially lower rate.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you could save 5% or more.
  • E-sign - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.

Consumers should know that some credits don't apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way.

For a list of providers with discount auto insurance rates in Maryland, click here.

Finding Auto Insurance Deals in Oxon Hill, MD

Performing a rate comparison can be a lot of work if you don't know the most efficient way to do it. You can waste hours driving to local insurance agents in Oxon Hill, or you can utilize the internet for quick rates.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and at least one company can give them a price for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

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

The only drawback to getting quotes like this is that consumers can't choose the companies you want to price. If you would rather choose specific insurance companies to request quotes from, we have a page of low cost auto insurance companies in Maryland. Click here to view list.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage limits for each comparison quote. If you use differing limits it will be next to impossible to determine the lowest rate in Oxon Hill. Slightly different insurance coverages may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices gives you a better chance of getting better pricing.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?

If you can't answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Final considerations

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Discount auto insurance is attainable online in addition to many Oxon Hill insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.