Lowest Car Insurance Exclusively for Rockville Maryland Residents

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

Consumers have many auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, so many choices can make it hard to find the best rates.

It’s smart to do rate comparisons occasionally because rates are variable and change quite frequently. Even if you got the best deal on your last policy you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online, so with this article, you’re going to get some solid techniques on how to find affordable car insurance.

Choosing the best insurance company for you in Rockville is quite easy. Basically, every driver who has to buy car insurance will more than likely be able to reduce their rates. But Maryland vehicle owners must understand the way insurance companies market on the web and take advantage of how the system works.

How to Get Cheap Car Insurance in Rockville, Maryland

All the larger car insurance companies like Allstate, GEICO and Progressive provide price estimates online. Getting quotes is quite simple as you simply type in your coverage information into a form. When the form is submitted, the system makes automated requests for credit information and your driving record and gives you a price quote based on many factors. Quoting online streamlines rate comparisons, but the process of having to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you are searching for a lower rate.

There is a better way to compare rates

The easiest way to compare rates makes use of a single form that obtains quotes from a bunch of companies at once. This type of form saves time, reduces the work, and makes comparison shopping much easier to do. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.compare rates in Maryland

If you want to find out how much you can save on car insurance, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles exactly as shown on your declarations page. Using the same limits helps guarantee you will have an apples-to-apples comparison based on identical coverages.

Don’t pay full price with these discounts

Car insurance companies do not list every available discount very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Low Mileage – Driving fewer miles can earn better rates on cars that stay parked.
  • Government Employees – Active or retired federal employment can save as much as 8% depending on your company.
  • Student in College – Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Clubs and Organizations – Being a member of a professional or civic organization may earn a discount on your policy.
  • 55 and Retired – Older drivers can possibly qualify for a discount up to 10%.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Type of vehicle determines base rates – The type of vehicle you are buying insurance for makes a substantial difference in the rate you pay. Small economy passenger cars generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
  • Having a spouse can save you money – Having a spouse can get you a discount when buying car insurance. Marriage usually means you are more mature and responsible and statistics show married couples file fewer claims.
  • Traffic citations inflate rates – Even one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. If you have serious violations such as DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to continue driving.
  • Big city or small town – Being located in a small town can be a good thing when it comes to car insurance. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers who live in large Maryland cities have to deal with much more traffic to deal with and longer commutes to work. More time on the road means higher likelihood of an accident.
  • How credit affects car insurance rates – Your credit score is a huge factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. So if your credit is low, you could pay less to insure your by improving your rating.

The fine print in car insurance ads

Car insurance providers like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all say the same thing about savings after switching to their company. How do they all say the same thing?

All the different companies have a preferred profile for the type of driver they prefer to insure. A good example of a preferred risk could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who fall outside this ideal profile will be charged higher prices which usually ends up with business not being written. The ad wording is “customers that switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully state the savings. That is why drivers must compare many company’s rates. It’s not possible to predict which car insurance company will give you the biggest savings.

Do the work, save more money

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

The cheapest car insurance can be found online and also from your neighborhood Rockville agents, and you need to price shop both to have the best selection. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

More resources for learning

More tips and info about car insurance is located at the Maryland Insurance Administration website. Maryland consumers can find disaster information, view a list of available companies, file complaints about a company, and download brochures.

Other useful links include this page for car insurance in Maryland and this resource to find Rockville, MD insurance agents.