Free Guide to Cutting Costs on Salisbury Maryland Car Insurance Online

No one in their right mind looks forward to paying for car insurance, especially knowing the cost is way too high.

Because you have many choices of insurance companies, it can be hard to choose the lowest price provider.

You have some control over your rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to lower car insurance prices.

Shown below are a partial list of the pieces companies use to determine prices.

  • Lower rates come with age – Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers are known to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • One company can mean more discounts – The majority of insurers will award you with lower prices to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal.
  • Pay less after the wedding – Having a wife or husband can get you a discount on your policy. Having a significant other usually means you are more mature and it’s statistically proven that married couples file fewer claims.
  • Battle of the sexes – The statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Men and women have accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as reckless driving.
  • Your stress level may be raising your rates – Careers like doctors, architects and accountants tend to have higher rates than average because of high stress levels and lots of time spent at work. On the flip side, professions such as pilots, athletes and retirees receive lower rates.
  • Extra add-on coverages are wasting money – There are a ton of extra bells and whistles you can purchase on your policy. Things like personal injury protection, better glass coverage and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money remove them from your policy.

How to Compare Car Insurance Quotes in Salisbury, MD

The are a couple different ways to compare rate quotes from different in Salisbury, MDinsurance companies. The fastest way to find competitive insurance rates is simply to get online rate quotes. This can be done in several different ways.

The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing boring form submissions to each individual car insurance company. One form submission will return price quotes from multiple companies.

A different way to compare prices consists of visiting each individual company website and request a quote. For example, we’ll assume you want comparison quotes from Nationwide, Progressive and GMAC. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

To view a list of companies in Salisbury, click here.

However you get your quotes, be sure to compare the exact same coverages for each price quote. If each company quotes different liability limits it will be next to impossible to determine which rate is truly the best in Salisbury. Just a small difference in limits could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting the best money in Salisbury Maryland

The fine print in car insurance ads

Companies like Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the ads make the same claim that you can save if you switch your policy. How can each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. An example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and has a short commute. A driver who meets those qualifications receives the best rates and therefore will pay quite a bit less when switching companies.

Potential customers who are not a match for the “perfect” profile will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can advertise the savings. This emphasizes why you should compare many company’s rates. It is impossible to predict which company will provide you with the cheapest rates.

Discounts are basically free money

Companies don’t necessarily list every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find ways to save on car insurance.

  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.

Drivers should understand that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

To see a list of insurance companies who offer car insurance discounts in Salisbury, click here.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you would benefit from professional advice.

  • Do I need rental car coverage?
  • Why does it cost so much to insure a teen driver in Salisbury?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I really need UM/UIM coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Salisbury MD insurance comparisons

Even more information is available at the Maryland Insurance Administration website. Maryland consumers can find out industry alerts, view a list of available companies, read state legal mandates and laws, and get help finding coverage.

Smart consumers save more

When you buy insurance online, never reduce coverage to reduce premium. In many cases, an insured dropped full coverage and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price.

Cheaper car insurance can be purchased from both online companies in addition to many Salisbury insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered quite a bit of information on how to reduce car insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best prices are with a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.