finding cheap auto insurance in Maryland

Tips on finding cheap auto insurance in Maryland

 Maryland is a state that requires that each owner possesses auto insurance coverage. The requirements are $15,000 for property damage, $30,000 for bodily injury or death to one person and $60,000 for bodily injuries or deaths to more than one person.

When searching online for auto insurance in Maryland, consumers need to begin by requesting online car insurance quotes. There are many websites that allow drivers to compare online quotes.

When requesting quotes, it is essential to enter the same exact information. Do not misrepresent your information to get a better deal. This is against the law and can lead to a policy being cancelled for falsifying information.

Discounts are important when looking to get car insurance. Students can receive a discount for getting good grades. In the state, most students must maintain at least a 3.0 grade point average to qualify.

Good driving rates discounts are given to a driver who is accident or traffic ticket free. On average, this saves 10% to 15% off of car insurance premiums. Low mileage discounts are given to those who only use their cars to drive shorter distances. Most will have to install a device on their vehicle to record their mileage and driving habits during this time to qualify for a rates discount of up to 20%.

When comparing policies, a driver should look at how much coverage they need and what is required by law. Car insurance agents can be a great source of knowledge to find cheap options. It is a good idea to compile a list of needs and the budget for the monthly premium. For example, if your budget is very low then it might be hard to purchase collision or comprehensive auto insurance.

Liability insurance is the cheapest type of car insurance to buy on the market today. It is an affordable option to save money on cars that are used. People who are married or live in households that have other drivers should consider getting added to an existing policy if the individual has a good driving record.

Speaking to at least three insurance agents can help a driver find the most inexpensive policy. All insurance companies have a different formula for how they assess risk. This means that a car owner might pay $120 per month for car insurance coverage at one time and then have to pay $200 per month for the same exact policy through another insurer.

People need to make sure that they take the time and necessary steps to research quotes that they receive. There are a lot of good companies out there but it takes some hard work to find the right one.

 

 

Get a check rather than repair the dent.

I am in the middle of an insurance claim right now. My wife was driving our somewhat beat up 2005 chrysler town and country on the freeway in the HOV lane, and a chevy cavalier was driving slightly in front of her in the fast lane. The driver of the cavalier changed lanes into the HOV lane where my wife was and bumped/scraped into the side of our minivan. She claimed that she could not see my wife’s car because she was in her blind spot (that is why you always look over your left shoulder before you change lanes). Both cars pulled over and the teenage driver of the cavalier came out and apologized profusely for hitting my wife’s car.  She also claimed fault for the accident.  Seeing that no one was hurt, and the damage was not stopping either vehicle from operating properly, they traded insurance information and contact information and went along to their respective destinations.  There are a few things that I have learned. First, cal the police and get a police report. There is a possibility that our new teenaged friend may change her story, and now we have no proof that it was her fault. In this case, the cavalier driver would probably have gotten a ticket for changing lanes over the double white line of the HOV lane. Second, rather than fix our car, you can keep the scratches and dents and take home a check. In order to do this, it is best to get a quote with a full breakdown from a quality auto repair shop before you meet with the insurance adjustor. That way when the adjustor tells you what they are willing to pay out, you can show them a full estimate to bump up the payout. I found out that the insurance company will discount anything that was prevoiusly damaged on your vehicle that they are potentially going to have to repair.  On my van, there was some damage from the accident on the passenger side of the rear bumper. There was also some previous damage to the driver side of the rear bumper.  So the insurance campany wants to split the cost of repairing and painting the back bumper. I am not sure that is completely fair because whether it was damaged or not, they would have had to replace it.  But to be fair, they are really only responsible for repairing things back to the way they were.
The estimate from the auto shop came out to about $4200.  When I talked to the adjustor, who happened to office at the same location as the body shop that gave me my estimate, he found a few issues with the quote.  There were a couple duplicate molding panels, and a missing door handle.  Then there was the issue of discounting the bumper repair.  I am not waiting on the insurance company to find out exactly what they are willing to pay out.  I still need to negotiate with them the cost of the rental car that they would have had to get if we took the car into their shop.  Fun Fun!

I paid $8,800 for this van 4 years ago.  It had 88,000 miles on it at the time.  It now has a few more dents, and a 118,000 miles.  The kids tend to beat things up on the inside, and I am not very inclined to repair this vehicle because it will just get dinged again.  So if I get a check for $3200, I will happily take it, and spend a little personal time with a buffer and some touch up paint. It won’t look as good at if the shop did it, but it won’t cost much of anything either.  I already pulled out most of the dent with 2 suction cup handles from harbor freight ($5.98)