Cheap Car Insurance in Maryland

Maryland is one of the most expensive states in relation to auto insurance premiums, with average premiums between $2,700 and $3,000. Here's how you can lower your premium and acquire cheap auto insurance in Maryland.

Cheap Car Insurance in Maryland

Get All the Discounts You Can

Cheap Car Insurance in Maryland

Discounts lessen your insurance premium, costing you less. Common auto insurance discounts include:

* Multi-Policy Discount - for having your home and your car insurance with the same insurance company.

* Multi-Vehicle Discount - for having two or more cars insured with the exact same insurance company.

* Good Driver Discount - if you are accident free not less than three years.

* Good Student Discount - for maintaining a higher grade average in class.

* Driving School Discount - to have taken a drivers education class.

* Low Mileage Discount - for driving less miles compared to national average.

* Safety measures Discount - to have safety features like air bags and anti-lock brakes in your car.

* Anti-Theft Devices Discount - for having a burglar alarm or other anti-theft device on your own car.

* Senior Citizens Discount - for being age 50 or older and retired.

Ask your agent about these along with other discounts you might be eligible for a.

Lower Your Coverages and Enhance your Deductibles

Maryland law requires that you have at least the subsequent liability coverages:

* $20,000 per person for bodily injury. This is actually the maximum the insurance company can pay any one person injuries you cause.

* $40,000 per accident for bodily injury. This is actually the maximum the insurance company pays - total - for injuries you cause.

* $15,000 per accident for property. This can be a maximum the insurance company will pay for damage you cause to someone else's car or property.

Your premium will be lowest if you buy just these minimum coverages, but you may not have enough protection in case of an accident.

You can also buy collision and comprehensive coverage to pay for physical problems for your car. If you buy this coverage, set your deductibles of up to you can afford - the bigger your deductibles, the bottom your premium.

Check around

Insurance premiums vary from one insurance carrier to another, so you should shop around and compare quotes. You can actually compare quotes when you go to an insurance comparison website. On this type of website you simply type your insurance information. Shortly thereafter you'll begin to receive quotes from multiple A-rated insurance providers.

Cheap Car Insurance in Maryland

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