How Much Does Auto Insurance Cost for Handicapped Drivers in Maryland?

Since we’re writing about auto insurance, the word affordable really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for handicapped drivers is not easy to find. But don’t despair, because we are going to show you some ways you can find car insurance that you are able to afford.

Determining which company has the most affordable car insurance rates for handicapped drivers will require a little more work in order to find the most economical policy. Each insurance company used slightly different criteria for filing rates in each state, so we’ll take a look at the lowest cost car insurance companies in Maryland.

Keep in mind that Maryland car insurance rates are influenced by many factors that control the price of coverage. Simply having a birthday, filing a claim, or having an at-fault accident can trigger price changes resulting in some companies being cheaper in comparison to the competition.

Best Auto Insurance Prices in Maryland

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USAA offers some of the lowest car insurance rates in Maryland at around $958 per year. Penn National, Liberty Mutual, Erie, and State Auto also qualify as some of the cheapest Maryland auto insurance companies.

In the above example, if you buy coverage from Erie and switched to USAA, you could earn yearly savings of approxmiately $203. Policyholders with State Auto might save as much as $268 a year, and Amica customers might reduce rates by $350 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or visit several of the following companies.

Remember that these rates are averages for all drivers and vehicles and and are not figured with a price decrease for handicapped drivers. So the car insurance company that fits your age and vehicle best may not even be in the chart above. That point stresses why you need to compare rates from multiple companies using your own specific driver and vehicle information.

The car, truck, or SUV on the policy is probably the most important factor that determines if you can find the best cheap coverage for handicapped drivers. Vehicles with high performance features, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than safer models.

The next list outlines insurance costs for a selection of the most budget-friendly vehicles to insure.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in specific Maryland garaging location which can raise or lower price quotes substantially.

Based upon these rates, we can conclude that makes and models like the Ford Escape, Ford F-150, Toyota Prius, and Honda CR-V are likely to be a few of the cheaper vehicles to insure for drivers with handicaps.

Get discounts on Maryland insurance rates

Auto insurance companies that provide cheap insurance for handicapped drivers in Maryland may additionally offer special discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. Large car insurance companies and a partial list of their discounts are:

The chart below shows the comparison of insurance premiums with and without discounts. The premium estimates are based on a female driver, no claims or violations, Maryland state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, safe-driver, marriage, accident-free, claim-free, and multiple policy discounts applied. When discounts are factored in, the average amount saved each year on car insurance for handicapped drivers is 32% or $538.

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How to find low-cost insurance for handicapped drivers

Here are many money-saving ideas that can help drivers get cheap coverage.

• Higher credit ratings may save you money
• Raise deductibles
• Try to not file small claims
• Violations like speeding or DUI increase rates
• Buy your homeowners policy from the same company as your auto insurance
• Avoid at-fault accidents and claims
• Ensure you have the best deal by shopping around regularly

The last tip in the list is notably necessary, as we emphasized in the prior article. Car insurance rates adjust often, so drivers shouldn’t hesitate to switch companies if a cheaper price is available.

Many drivers prefer to stick with one company, but is isn’t recommended if your bullheadedness ends up costing you a wad of cash every year. Take a few minutes and shop around and find cheaper auto insurance for handicapped drivers.