Maryland Car Insurance
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Maryland Car Insurance: Your Questions Answered
Choosing the right Maryland car insurance requires some forethought and savvy. Several considerations should be taken into account before making that final decision and signing on the dotted line.
Price is the factor foremost in most of our minds, as it directly impacts our budgets and bank accounts month after month. But other factors regarding our insurance companies are important too, including:
- Company reputation and customer service
- Office location and convenience
- Length of time the company has been in business
- Speed of claims processing
Consider all these factors and weigh the importance you place on each one before deciding on a Maryland car insurance company or agent.
State Requirements
Maryland drivers must purchase minimum amounts of car insurance coverage for the protection of everyone on the road. These types and amounts are required by law:
- 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)
Licensed Maryland car insurance agents can explain these coverages further and help you decipher their affect on the cost of your Maryland car insurance.
Other Coverage You May Need
You may also need physical damage coverage. This pays for damage to your car, minus your deductible, in case of an accident, and includes both collision and comprehensive. Collision pays for damage incurred when you're involved in an accident with another automobile or fixed object. Comprehensive pays for damage due to other causes, such as hail, fire or theft.
Talk to a knowledgeable Maryland car insurance agent to determine if you need physical damage coverage for your car.
Discounts
Discounts are one way to help keep the cost of your Maryland car insurance down. Remember to ask your insurance agent what discounts are available and which ones you qualify for.
Some common discounts include those for:
- Good driving records
- Car safety devices
- Car anti-theft devices
- Multiple policy types combined
- Good students
- Renewal discounts
- Organization memberships or employer plans
Maryland car insurance quotes provided by InsureMe can also take these discounts into consideration.
Insurance for High-Risk Drivers
If you have a record of accidents, speeding tickets or other violations, insurance companies consider you a high-risk driver—and it may become difficult to obtain a Maryland car insurance policy.
Some Maryland car insurance companies specialize in insuring this type of driver. However, if you find yourself in this situation and cannot find a licensed insurance company willing to insure you, seek coverage with the Maryland Automobile Insurance Fund (MAIF). Rates will be higher but, with a low future claims record, an improved violations record and timely insurance payments, you should eventually be classified as lower risk, enabling you to return to the usual Maryland car insurance market.
For more information on the MAIF, call 800-492-7120, or visit the MAIF Web site at www.maif.state.md.us.
More Information
More general information about Maryland car insurance is available from the Maryland Insurance Administration. Get in touch with them at 800-492-6116, or access their Web site at www.mdinsurance.state.md.us.
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