Easy Methods to Pay Less on Solomons Auto Insurance

Searching for the lowest cost Solomons auto insurance on the web is challenging for consumers new to comparison shopping online. With dozens of companies in the marketplace, how can consumers effectively compare the different rates to find the lowest price?

It's important to check auto insurance prices quite often because prices are constantly changing. If you had the best deal a few years ago you may be paying too much now. So ignore everything you know about auto insurance because you're going to get a crash course in the proper way to save money, get proper coverage and the best rates.

This article will help you learn how car insurance quotes work and some money-saving tips. If you have car insurance now, you should be able to save some money using these techniques. Although Maryland consumers do need to know how companies determine prices and take advantage of how the system works.

Free Quotes for Auto Insurance in Solomons, Maryland

There are multiple methods to compare auto insurance quotes, but there is one way that is easier and takes less work. You could spend your day driving to insurance companies in Solomons, or you could save time and use online quoting to quickly compare rates.

All the larger companies participate in an industry program that enables customers to only type in their quote data once, and each company can give them a price based on that data. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

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

The only downside to comparing rates this way is you cannot specify which companies you want to price. So if you want to choose specific providers to compare rates, we put together a list of auto insurance companies in Maryland. View list of Maryland insurance companies.

It's up to you how you get prices quotes, just make darn sure you compare identical deductibles and coverage limits on every quote you get. If you have different values for each quote it will be impossible to determine which rate is truly the best in Solomons. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, quoting more helps locate better pricing.

Solomons auto insurance quote

What determines how much you pay?

It's important that you understand the rating factors that come into play when calculating the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

The list below includes some of the factors companies use to determine your rates.

  • Discounts for multiple policies - The majority of auto insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even if you're getting this discount you still need to shop around to make sure you are getting the best deal.
  • Sex matters - Statistics have proven that women are safer drivers than men. However, don't assume that women are better drivers. Women and men cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like DUI and reckless driving.
  • Special features that cut premiums - Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Older drivers save more - Youthful drivers in Maryland tend to be less responsible when driving so they pay higher auto insurance rates. If you've ever had to add a young driver to your policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Better credit means lower rates - Your credit rating is a important factor in determining what you pay for auto insurance. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit. Therefore, if your credit score can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.

Don't pay full price with these discounts

Car insurance is not cheap, but there are discounts available to help offset the cost. Some trigger automatically when you quote, but some must be manually applied prior to getting the savings.

  • Braking Control Discount - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Senior Citizens - Older drivers can possibly qualify for reduced rates.
  • Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Resident Student - Any of your kids who live away from home without a vehicle on campus may be able to be covered for less.
  • Accident Waiver - Certain companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Military Rewards - Having a family member in the military can result in better rates.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. So even though it sounds like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of providers with the best auto insurance discounts in Maryland, click this link.

Your personal situation dictates your coverage

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

Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

  • Do I need PIP (personal injury protection) coverage in Maryland?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • Why does it cost so much to insure a teen driver in Solomons?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an 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. Visitors are able to read consumer alerts, learn about insurance regulations, and view a list of available companies.

Solomons auto insurance comparison

Affordable insurance is out there

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. Too many times, drivers have reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Insureds who switch companies do it for a number of reasons such as policy cancellation, denial of a claim, unfair underwriting practices and not issuing a premium refund. Regardless of your reason, choosing a new insurance company is not as hard as you think.

The cheapest auto insurance is possible both online and with local Solomons insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not offer online quoting and many times these smaller companies only sell through independent insurance agents.