How to Find Cheap Maryland Auto Insurance Rates

Maryland requires more auto insurance than many other states and is in the top ten for cost of promotions. This combination makes finding low cost Maryland auto insurance options even more important and this guide is here to help.

The following list of 3 points is designed to educate and inform you. As you read these ideas, hopefully you will find some ideas to help you reduce your auto insurance premiums. Read on to find some quick and easy ways to find cheap Maryland auto insurance rates.

1. Think About Yourself

Is it possible for you to participate in a car pool? Insurance companies may offer discounts to customers who are carpooling. You would be using your vehicle less often thus reducing your risk for accidents.

Is it possible for you to use public transportation to get to work? If you can use public transportation, you would be able to change your driving purpose from "business" to "pleasure" and reduce your average yearly mileage. Both of these will save you on your promotions.

Are you a careful driver? Most major insurance companies offer discounts to drivers with a safe driving record. It is well worth your efforts to slow down and drive carefully.

2. Think About Your Car

What kind of car do you drive? Driving an older, less desirable car can reduce your risk of theft as well as lower the need for collision insurance. If you are considering purchasing a new car, researching before you buy can save you hundreds of dollars per year on your promotions. Flashy cars have a higher theft risk and then pay higher insurance premiums.

What safety features does your car have? Safety features that reduce the risk of theft such as car alarms and automatic locks may lower your insurance costs. Safety features such as anti-lock brakes and airbags that are designed to protect the driver and passengers will also help reduce costs. You can even receive discounts for safety features such as daytime running lights that reduce the chance of being in a collision.

3. Think About Your Insurance

Who insures your car? If you have more than one vehicle, you will want to consider having them insured together under the same policy. This will allow you to take advantage of multi-vehicle discounts. If you can consolidate your homeowners or renters insurance with the same company as your auto insurance, you will be eligible for even more discounts.

Compare Cheap Car Insurance Quotes Online

One way to save yourself some time (and money) shopping for MD car insurance rates is to search online and compare quotes. Be sure that whatever you do compare quotes from at least 5 different companies.