9 Ways to Save on Car Insurance in Rockville Maryland

No one enjoys paying for car insurance, especially when they are paying too much. Having so many companies and agents to choose from, it is very difficult to locate the cheapest company.

Choosing the best insurance company for you in Rockville is easy if you know what you're doing. If you have car insurance now, you should be able to save some money using these techniques. Maryland vehicle owners just need to know the proper way to shop their coverage around over the internet.

More discounts equal less premium

Car insurance companies do not advertise every discount very well, so here is a list some of the more common as well as the least known ways to save on car insurance. If you don't get every credit you qualify for, you are throwing money away.

Military Discounts - Having a family member in the military may qualify for rate reductions.
Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
New Car Discount - Adding a new car to your policy is cheaper since new cars are generally safer.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
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.
Homeowners Savings - Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
Driver Safety - Completing a driver safety course can save you 5% or more if you qualify.
Low Mileage Discounts - Fewer annual miles can qualify you for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies don't profit that way.

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that may help highlight if you would benefit from an agent's advice.

Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Maryland?
Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered when pulling a rental trailer?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all make the same claim that you'll save big after switching your policy.

But how can every company make the same claim?

All companies have a certain "appetite" for the right customer that earns them a profit. An example of a driver they prefer could be between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. Any new insured who matches those parameters receives the best rates and therefore will save a lot of money.

Drivers who do not match this ideal profile will be quoted higher premiums which leads to business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. That is how companies can advertise the way they do. This emphasizes why you should get as many comparisons as possible. It's just too difficult to predict which company will provide you with the cheapest rates.

More detailed Maryland car insurance information is available at the Maryland Insurance Administration website. Consumers can find disaster information, file complaints about a company, read enforcement actions against agents and companies, and read consumer alerts.

Also read more on this page for car insurance prices in Maryland and this page of Rockville insurance agents.

Best coverage at the best price

You just learned some good ideas how to reduce car insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the most savings is with a small local company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.