Compare Sparrows Point Auto Insurance Prices With These Methods

Are you intimidated by the sheer number of auto insurance options in Sparrows Point? Many other drivers are as well. There are so many choices that it can turn into a lot of work to find the perfect company for you.

How to Compare Auto Insurance in Sparrows Point, Maryland

The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The recommended way to find the lowest rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate quotation requests for each company you want a rate for. Filling out one form will return quotes from auto insurance companies with the best prices. This is perfect if you don't have a lot of time.

A less efficient way to shop for auto insurance online is to take the time to go to the website for every company you want to comare and request a quote. For examples sake, we'll assume you want to compare rates from , and . To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular.

For a list of links to companies insuring cars in Sparrows Point, click here.

The least recommended method to compare rates is driving around to and from local insurance agencies. Shopping for auto insurance online makes this process obsolete unless you require the professional advice that only a license agent can provide. However, consumers can compare the best prices online but buy from a local insurance agent and we'll touch on that later.

It's up to you which method you use, but ensure you are comparing the exact same coverages and limits with every price quote. If you use different deductibles it's not possible to find the best deal in Sparrows Point. Quoting even small variations in limits can result in a big premium difference. Just remember that comparing a large number of companies will enable you to find a lower rate.

auto insurance in Sparrows Point

How to Lower your Auto Insurance Rates

It's important that you understand the different types of things that go into determining auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Listed below are a few of the "ingredients" used by your company to calculate premiums.

  • Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you.
  • Do you know your deductibles? - Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the less your auto insurance will be.
  • Traffic citations inflate rates - Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation can bump up the cost by twenty percent. Drivers who don't get tickets have lower premiums than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • Liability insurance protects assets - Liability insurance provides coverage if a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
  • Older drivers save more - Older insureds are more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers are statistically proven to be less responsible when behind the wheel therefore auto insurance rates are much higher.

Policy discounts you shouldn't miss

Companies don't always publicize all available discounts in an easy-to-find place, so we break down some of the best known as well as the least known savings tricks you should be using.

  • Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
  • Homeowners Discount - Owning a home in Sparrows Point can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Club Memberships - Affiliation with certain professional organizations is a good way to get lower rates when buying auto insurance.
  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.

It's important to note that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

For a list of insurers offering auto insurance discounts in Sparrows Point, click here to view.

Additional detailed information can be found at the Maryland Insurance Administration website. Maryland drivers can find disaster information, report car insurance fraud, and file complaints about a company.

The best insurance company isn't always the cheapest

Lower-priced auto insurance is available on the web as well as from independent agents in Sparrows Point, so you should compare both to have the best rate selection. A few companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered some good ideas how you can lower your auto insurance rates. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding lower rates. Consumers may even find the most savings is with the least-expected company.

People switch companies for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, poor customer service and questionable increases in premium. No matter why you want to switch, choosing a new insurance company is not as hard as you think.