Maryland Auto Insurance
Shopping for Maryland auto insurance used to be a real chore, involving many phone calls and lots of wasted time and effort. But not anymore! InsureMe, your premier online insurance quoting service, makes finding the right Maryland auto insurance easy. In one simple step, we match you up with local auto insurance specialists who compete for your business. You get the policy you need quickly and easily…that's all there is to it!
If you're looking for multiple Maryland auto insurance quotes, let InsureMe help. We have agents standing by now!
Important Information about Maryland Auto Insurance
Knowledge Is Key
Car insurance protects you from financial losses like car repairs, medical bills and legal services resulting from accidents. But finding the right Maryland auto insurance policy can be tricky. More than 200 auto insurance companies are licensed to sell insurance in Maryland, so it's important to comparison shop regarding both price and coverage.
Reading, researching and asking questions is the best way to gain the knowledge you need to make an informed auto insurance purchasing decision—and one that won't "leave you stranded" six months down the road.
InsureMe has provided the following information to help you in this process. We hope you will review various Maryland auto insurance policies and ask clarifying questions before you settle on an auto insurance policy.
Important note: Remain informed on updates in Maryland law to help ensure you have the auto insurance coverage required. Also, stay in contact with your Maryland auto insurance agent for informative answers about any auto insurance legislation changes.
What You Need
All Maryland drivers must purchase certain minimum amounts of auto insurance coverage. Many buy additional coverage—or more than the required minimums—as additional protection, but only these types and amounts are legally necessary:
- Bodily Injury Liability: $20,000 per person, $40,000 per accident and $15,000 property damage
- Uninsured/Underinsured Motorist: Same minimums as bodily injury liability
- Personal Injury Protection (PIP): $2,500 (May be waived, depending on your health care coverage)
A licensed Maryland auto insurance agent can help you make sense of these coverages and explain them in further detail.
Factors Affecting Your Premium
Pricing amongst Maryland auto insurance companies varies greatly. Premiums are, however, based upon certain determinable factors and characteristics, including:
- Car make and model
- Driving record
- Age, gender, marital status
- Driving records of other drivers in household
- Geographic area
- Credit history
- Coverage limits
- Prior insurance coverage
- Annual mileage
Shopping for Auto Insurance
Comparison shopping is essential to get the most for your dollar when shopping for Maryland auto insurance.
You should shop for auto insurance before you buy a new car, trade cars, add drivers or when it is time for your policy to be renewed.
These steps will help ensure you get the information you need when looking for auto insurance:
- Determine auto insurance rates before you purchase a new car.
- Arm yourself with knowledge concerning insurance coverage.
- Look for unbiased information from consumer groups, publications and the Internet.
- Compare policies and prices before making a final decision.
- Ask for several price quotes.
- Ask about the effect of raising your deductibles.
- Ask about possible discounts.
- Protect yourself from fraud by verifying insurance agent and company licenses.
When You're Involved in an Accident
The first thing you should do if you find yourself involved in an auto accident is dial 911 to report it. Give the operator detailed information regarding the incident and anyone who needs medical assistance.
Then, remove your vehicle from the road, if possible.
Write down the time and location of the accident, as well as the make, model and license number of any other cars involved.
Talk to witnesses, obtaining their names, addresses and phone numbers.
Cooperate with the police when they come to investigate.
Finally, and perhaps most importantly, contact your insurance company immediately.
For more information concerning Maryland auto insurance, contact the Maryland Insurance Administration at 800-492-6116, or reach them online at www.mdinsurance.state.md.us.
Quality Service, Quality Savings
Let InsureMe get you up to five Maryland auto insurance quotes today—simultaneously. Submit your information now…then sit back, relax and watch the savings come flying in!
