Free Guide to Saving Money on St Leonard Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are lots of people in the same boat.

You have so many to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months because rates are constantly changing. Even if you got the best rates last year you will most likely find a better rate today. There is a lot of bad information regarding car insurance online but we're going to give you some great ways to put money back in your pocket.

Buying car insurance in St Leonard is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. But Maryland car owners do need to know the methods companies use to price online insurance.

Save big with these discounts

Auto insurance companies don't always advertise every available discount very clearly, so the following is a list of some of the more common as well as the least known car insurance savings.

  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • No Charge for an Accident - Certain companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
  • Use Seat Belts - Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • No Claims - Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Just because you may think it's possible to get free car insurance, companies don't profit that way.

Maryland car insurance

Car insurance ads bend the truth

Companies like State Farm and Allstate constantly bombard you with ads on TV and radio. All the ads say the same thing that you'll save big if you switch your policy. How does each company make the same claim?

All companies are able to cherry pick for the right customer that earns them a profit. A good example of a preferred risk could be over the age of 40, has no driving citations, and drives newer vehicles. A customer who fits that profile will get very good rates and most likely will save when switching.

Potential insureds who fall outside these standards will be charged more money which usually ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that kind of money. That's the way companies can claim big savings. That is why you should quote coverage with many companies. Because you never know which car insurance company will give you the biggest savings.

More detailed Maryland car insurance information can be read at the Maryland Insurance Administration website. Consumers can file complaints about a company, report car insurance fraud, read consumer alerts, and learn about insurance regulations.

Shop smart and save

We just showed you many ways to reduce car insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small local company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like .

Discount car insurance can be found from both online companies in addition to many St Leonard insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.