Find Proven Ways to Save on Takoma Park, MD Auto Insurance

Perplexed by the wide range of auto insurance options in Takoma Park? Many other drivers are as well. You have so many choices that it can be more work than you anticipated to find better rates.

Free Quotes for Auto Insurance in Takoma Park, MD

Comparing auto insurance rates can be a daunting task if you aren’t aware of the most efficient way. You can spend countless hours talking about coverages with local insurance agents in Takoma Park, or you can utilize the internet to quickly compare rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit one quote, and at least one company can provide price quotes. This eliminates the need for form submissions for each company you want a rate for.

To access this free quoting program, click to open in new window.

The one disadvantage to pricing coverage this way is that you can’t choose the insurers to receive prices from. If you wish to select specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in Maryland. View list of Maryland insurance money in Maryland

It doesn’t matter which method you choose, just compare apples-to-apples deductibles and coverage limits for each price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to decipher which rate is best in Takoma Park. Just a small difference in limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices will increase your chances of finding lower pricing.

Cut your premium with discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be applied at quote time, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than less cautious drivers.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will help reduce the amount you have to pay.

For a list of companies with the best auto insurance discounts in Maryland, click here.

Is my situation unique?

When buying proper insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Takoma Park insurance quotes

Here are some questions about coverages that might point out if your situation could use an agent’s help.

  • Is business property covered if stolen from my car?
  • Do I benefit by insuring my home with the same company?
  • Does my car insurance cover rental cars?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why does it cost so much to insure a teen driver in Takoma Park?
  • Can I still get insurance after a DUI?
  • Can my teen driver be rated on a liability-only vehicle?
  • What if I total my vehicle and owe more than it’s worth?
  • Should I buy more coverage than the required Maryland minimum liability coverage?
  • When would I need additional glass coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Much more information about auto insurance in Maryland can be read on the Maryland Insurance Administration website located here. Visitors are able to view agent and company licensing information, report car insurance fraud, find disaster information, and learn about specific coverages.