 OnlineAutoInsurance.com makes it easy for consumers to compare Maryland auto
insurance rates online. Simply complete the following form and instantly get
back rate quotes from different quality companies such as Progressive, AIG,
Esurance and more. It's totally free and there's no obligations to buy.
 By completing a rate comparison from multiple carriers,
finding cheap auto insurance in Maryland is made simple. Since rates vary within companies, getting
your rates online is the fastest and easiest way of finding a competitive price.
Why repeatedly complete form after form when you can complete one simple form
and save time and of course, money.
Get Maryland auto insurance quotes
and remember to keep the following in mind to help lower your premiums:
- Remember that if purchasing comprehensive and collision coverage
(commonly referred to as "full coverage") raising your deductibles will give
you a lower rate; however, also keep in mind that the deductible is the
amount of money you may need to come up with in case of a claim. Experiment
by getting as many quotes as you need with different coverage and
deductibles. Don't forget that your quotes are totally free.
- Provide accurate information which will give you an accurate rate. Many
discounts are automatically generated such as vehicle safety features
(airbags, anti-lock brakes, alarms) and multi car discount (having more than
one vehicle on your policy) as well as driver discounts like good driver
discount (no tickets or accidents) and marriage discount (being a married
driver). Other discounts you will have to mention such as good student ("B"
or better school grades).
- If you have enough money to pay your policy term in full, you can save
quite a bit by avoiding billing fees. Even paying three months at a time
will save you some money. Also check the option of having your monthly
premium payments automatically deducted from your bank account which will
generally also save you a few dollars per month.
- Shop also by other factors than just price. Go with a quality company so
that in case of an accident, you can be satisfied. Most consumers do not
consider quality until they have a bad experience and learn the hard way.
- If you don't drive your vehicles too often, list them with "low mileage
use". Having more vehicles than drivers will usually mean that some vehicles
are driven less often than others. Listing vehicle with low use can also
lower your rates.
| Maryland Auto Insurance Law |
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| Maryland auto insurance law requires drivers to maintain
a certain amount of insurance on their vehicles. The following different kinds coverage are
mandatory by State laws: | Liability Coverage
20/40/15 |
$20,000 Bodily injury coverage per person, per accident. |
| $40,000 Bodily injury coverage total per accident when multiple persons involved. |
| $15,000 Property damage coverage per accident. |
| Liability coverage will pay up to the
policy limits for medical injuries and property damage which you are liable as a result of an accident. |
| Uninsured Motorist Coverage |
$20,000 Bodily injury coverage per person, per accident. |
| $40,000 Bodily injury coverage total per accident when multiple persons involved. |
| $15,000 Property damage coverage per accident. |
| Uninsured motorist coverage covers
your vehicle damages and bodily injuries up to the policy limits if you
were to get hit by an uninsured driver. This will also act as a
supplement to other's coverage if their coverage is inadequate. |
| Personal Injury Coverage |
$2,500 In personal injury protection. (May be waived by consumer) |
| Personal injury coverage works like a
health care policy providing medical expense coverage regardless of who
is at fault in the accident. |
The above are requirement for
Maryland auto insurance coverage; however, consider the many other
coverage available which will provide coverage for theft, vandalism and other
causes of damage to your vehicle. You should also consider miscellaneous
coverage such as rental vehicle reimbursement, towing, and special equipment
coverage.
Feel free to learn more about
insurance coverage definitions, get tips and more through our learning center. Also, you can
visit the
Maryland Auto Insurance Guide created to further assist consumers.
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