Free Guide to Paying Less for Phoenix Car Insurance Online

Are you sick and tired of not being able to afford each month for car insurance? You're in the same situation as the majority of other car owners in Maryland. Because you have many car insurance companies to choose from, it's nearly impossible to locate the cheapest insurer.

Pricing the lowest cost protection in Phoenix is quite easy. If you have a current car insurance policy or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Maryland vehicle owners just need to know the best way to compare company rates over the internet.

Be sure to get all your discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for prior to getting the savings. If you don't get every credit available, you are throwing money away.

Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Distant Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Homeowners Pay Less - Simply owning a home can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
One Accident Forgiven - Some insurance companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
Life Insurance - Select insurance companies reward you with a break if you buy life insurance.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will help reduce the amount you have to pay.

Is there truth in advertising?

Consumers in Maryland get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. They all make an identical promise that you'll save big after switching your policy.

But how can every company claim to save you money?

Insurance companies can use profiling for the right customer that earns them a profit. For example, a driver they prefer might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a higher premium and ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. That's why companies can state the savings.

This emphasizes why you should compare many company's rates. You cannot predict the company that will give you the biggest savings.

More Maryland car insurance information

Much more information about car insurance in Maryland can be found on the website for the Maryland Insurance Administration located here. Visitors are able to download brochures, view a list of available companies, read enforcement actions against agents and companies, and read consumer alerts.

Also read more on this site for car insurance rates in Maryland and this list of insurance agents in Phoenix, MD.

And the best car insurance company is...

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Budget-conscious car insurance can be bought both online in addition to many Phoenix insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.