How to Find Cheap Poolesville Auto Insurance

If you're new to shopping for auto insurance online, it's easy to be confused by the sheer number of auto insurance companies offering insurance in Poolesville.

It's important to compare rates occasionally because prices are constantly changing. Even if you got the best deal six months ago you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to properly buy coverages and cut your premium.

Buying the cheapest coverage in Poolesville is simple if you know the tricks. Basically, everyone who carries auto insurance will be able to save money. Although Maryland drivers do need to know how big insurance companies price online insurance and take advantage of how the system works.

Poolesville Auto Insurance Quote Comparison

There are several ways of comparing price quotes from different Poolesville insurance companies. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing boring form submissions for each company. A single form compares rates from all major companies. Recommended for those who want to invest the least amount of time.

A more difficult way to get quotes online is going to each individual company website and complete a new quote form. For example, let's assume you want to compare , and . You would have to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in Poolesville, click here.

The most time-consuming method to compare rates is to spend time driving to local insurance agencies. Buying insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. It is possible to compare the best prices online and still use a local agent. We'll cover that shortly.

Whichever method you choose, make absolute certain that you use identical coverage limits and deductibles on every quote. If you compare different liability limits it will be impossible to make a fair comparison in Poolesville. Slightly different coverages may result in a large different in cost. And when quoting auto insurance, remember that getting more free quotes helps locate the best rates.

You have some control over your rates

It's important that you understand the factors that go into determining the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Battle of the sexes - Statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Men and women tend to get into accidents at about the same rate, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
How credit affects auto insurance rates - Credit score is a important factor in determining your rates. So if your credit history is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
Do you qualify for a multi-policy discount? - Most insurance companies will give a discount to customers who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount you still need to shop around to ensure the best deal.
Having a spouse can save you money - Being married can actually save you money on auto insurance. It means you're more responsible and it's proven that married couples file fewer claims.

Save big with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that many people don't even know exist. A few discounts will automatically apply when you complete an application, but some must be requested specifically before they will apply.

Accident Forgiveness - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a certain period of time.
Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Sign Online - Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
Good Student - Getting good grades can save 20 to 25%. The discount lasts until age 25.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down your overall premium however.

For a list of companies offering auto insurance discounts in Maryland, click here.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's needs are different.

These are some specific questions might point out if your situation might need professional guidance.

Does my policy cover me when driving someone else's vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Does my insurance cover a custom paint job?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Additional information is available on the Maryland Insurance Administration website located here. Maryland consumers can learn about insurance regulations, find out industry alerts, and read consumer alerts.

The best insurance company isn't always the cheapest

The cheapest auto insurance can be found online and also from your neighborhood Poolesville agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, never reduce needed coverages to save money. In many cases, an insured cut liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to purchase plenty of coverage at a price you can afford.

You just read a lot of ways to lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best prices are with a small local company.