Finding the most competitive car insurance prices in Maryland takes some research and comparison shopping. Use our Maryland Car Insurance Calculator to discover how much money can be saved by switching providers or selecting a different policy level.
Minimum Liability Coverage in Maryland
Maryland law requires drivers to carry a minimal level of liability coverage. These policies pay for any damages caused in an accident with another motorist.
This insurance covers bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. The amount of your premium will depend on which type of coverage you select and what type of vehicle you drive.
Rates may be higher in riskier cities, so make sure to shop around for your car insurance.
In addition to your driving record and past claims, companies may also take into account your credit-based insurance score when setting premiums. This could affect rates by up to 9 percent; the better your credit score, the lower these costs will be for you.
Younger Drivers Can Be Costlier to Insure
Teenagers tend to be riskier drivers than older ones since they lack experience behind the wheel. Furthermore, teens are more likely to get into accidents, making their car insurance more costly.
Before your teenager purchases car insurance, be sure to review their driving record. If any red flags appear, contact your insurer to see if there could be a discount available for them.
If your teen has an excellent record, bundling their insurance with yours could save money. Many car insurance companies offer discounts for good grades or taking a safe driving course.
Your Car Insurance Company Reviews
Before purchasing a policy from any insurance company, it’s essential to read their customer service reviews. They give an indication of what level of support and care can be expected from them.
They also let you know how satisfied customers have been with a company. You can learn more about an insurer by reading reviews or speaking to a local agent.
Your Zip Code in Maryland Can Affect Your Car Insurance Quotes
Living in an expensive part of the state means paying more for car insurance than those living in less expensive suburbs. But you can usually save a lot by opting for usage-based coverage which monitors driving habits and rewards good drivers with lower rates.
Maintaining a clean driving record in Maryland can save you money on insurance premiums. Most car insurers consider those without accidents or tickets “good” or “excellent” drivers, although those with some minor tickets may still qualify for discounts.
Some insurers even let you monitor your driving habits using a smartphone app. These applications can be an effective tool for reducing your car insurance rate, since they provide data on how often and where you typically take your vehicle.