How to Know You’re Wasting Money for Auto Insurance in College Park Maryland

Are you a victim of overpriced auto insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.

Big companies like State Farm, GEICO and Farmers Insurance all claim big savings with fancy advertisements and it can be hard to ignore the flashy ads and find the best price available.

Consumers should take time to compare rates before your policy renews because insurance rates are constantly changing. Despite the fact that you may have had the best price a year ago you may be paying too much now. You can find a lot of wrong information about auto insurance online but we’re going to give you some tested techniques to reduce your auto insurance bill.

Do you qualify for discounts?

Companies that sell car insurance don’t necessarily list all their discounts very well, so we took the time to find some of the more common as well as the least known auto insurance savings.

  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Homeowners Pay Less – Owning a home in College Park may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less than less cautious drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down could be rewarded with discounted rates on garaged vehicles.

Keep in mind that some credits don’t apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, companies don’t profit that way.

To choose companies offering auto insurance discounts in Maryland, click this link.College Park car insurance

Compare the Market for Auto Insurance in College Park, Maryland

All major auto insurance companies such as Allstate and Progressive give insurance quotes on their websites. Getting quotes is pretty easy as you simply enter into the quote form. After the form is submitted, the system makes automated requests for your driving record and credit report and generates pricing information based on these and other factors. Online price quotes streamlines rate comparisons, but the time required to go to each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. But it’s very important to compare as many rates as possible if you are searching for a lower rate.

There is an easier way!

The easiest way to lower your auto insurance bill makes use of a single form that gets price quotes from more than one company. This type of form saves time, eliminates form submissions, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, it is rated and you can choose your choice of the returned quotes. If you find a better price it’s easy to complete the application and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

To compare pricing, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you complete the form with as shown on your current policy. Doing this assures you will have comparison quotes using the exact same coverages.

Don’t assume everyone needs the same coverage

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation may require specific advice.

College Park car insurance

  • Am I covered when driving on a suspended license?
  • Does medical payments coverage apply to all occupants?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I buy additional glass protection?
  • When do I need to add a new car to my policy?
  • What happens if I owe more than my vehicle is worth?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Do the work, save more money

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. In many cases, someone sacrificed liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best price.

Cheap auto insurance is attainable from both online companies in addition to many College Park insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies do not provide online price quotes and these small insurance companies work with independent agents.