How to Know You’re Throwing Money Away for Auto Insurance in Easton, MD

Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other Maryland consumers.

You have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

This article will tell you the most effective way to quote insurance and some tips to save money. If you have car insurance now, you should be able to save some money using this strategy. Nevertheless, Maryland vehicle owners need to have an understanding of how big insurance companies market on the web because it can help you find the best coverage.

Are you getting all your discounts?

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some may not be applied and must be asked for before being credited.

  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Driver’s Ed – Have your child complete a driver education course in high school.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Driver Safety – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% with select insurance companies.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

To choose insurance companies with discount auto insurance rates in Maryland, click here to view.

Buying auto insurance from a local agent

A small number of people would prefer to talk to a local agent. One of the great benefits of comparing insurance prices online is that you can obtain the best rates and still choose a local agent. And supporting local insurance agencies is important especially in Easton.

After filling out this simple form, the coverage information gets sent to participating agents in Easton who will battle for your coverage. You won’t need to leave your house as quotes are delivered immediately to your email address. How cool is that?! You’ll get the best rates without the usual hassles of price shopping.

The type of insurance agent you choose is important

When finding a reputable insurance agent or broker, you need to know there are two different agency structures that you can select. Insurance agencies in Easton are either independent (non-captive) or captive.

Independent Agents

These agents are not employed by any specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.<img class="alignright" style="padding-top:15px;" src="http://www.findnewcarinsurance.com/wp-content/uploads/ci175-7.jpg" alt="Maryland car insurance quote”/>

When comparison shopping, you should always include at a minimum one independent agency for maximum quote selection.

Below are independent agents in Easton who may be able to give you price quote information.

Avon-Dixon AGENCY LLC – 106 N Harrison St – Easton, MD 21601 – (410) 822-0506
Nationwide Insurance – 29509 Canvasback Dr # 100 – Easton, MD 21601 – (410) 822-4696
R A Frenz Insurance – 6569 Locust Grove Rd – Easton, MD 21601 – (410) 820-6060

Captive Insurance Agents

These agents work for only one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot compare other company’s rates so always compare other rates. They are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Listed below is a list of captive agents in Easton willing to provide comparison quotes.

Allstate Insurance – 218 N Washington St # 53 – Easton, MD 21601 – (410) 819-0011
State Farm Insurance – 210 Marlboro Ave # 25 – Easton, MD 21601 – (410) 822-7480

For a complete listing of captive insurance agencies in Easton, visit this link.

Picking a car insurance agent should depend on more than just a cheap price. These questions are important to ask:

  • Do they feel the quoted coverages are adequate?
  • If you have an accident, will your rates go up?
  • Do they carry Errors and Omissions coverage?
  • Does the company allow you to choose your own collision repair facility?
  • What insurance companies do they recommend if they are an independent agent?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

After getting acceptable answers to these questions and a low price estimate, most likely you have located a car insurance agent that meets your needs to properly insure your vehicles.

Easton MD insurance quotes

Auto insurance ads bend the truth

Companies like Allstate, GEICO and Progressive continually stream ads in print and on television. All the ads make an identical promise of big savings after switching your coverage to them. How do they all make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a profitable customer might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer who fits that profile gets the lowest rates and most likely will save when they switch companies.

Potential customers who don’t measure up to the requirements must pay higher rates which leads to the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can make the claims of big savings.

This illustrates why drivers must compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Much more information about auto insurance in Maryland is available on the website for the Maryland Insurance Administration through this link. Consumers can read state legal mandates and laws, find disaster information, and find out industry alerts.

Cheaper insurance is a realistic goal

Lower-priced auto insurance is definitely available on the web in addition to many Easton insurance agents, so compare prices from both to have the best rate selection. Some auto insurance 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 shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.