Finding the appropriate car insurance coverage in Maryland, where average commute times average 31 minutes–five more minutes than the national average–and drivers pay more for car insurance than is usual, is crucial. How much should drivers expect their premium to be? Well, that all depends on a variety of variables like their age, vehicle type and model, driving history history and credit score status.
When purchasing car insurance, drivers can choose whether or not to include collision and comprehensive coverage or just liability coverage in their policy. A comprehensive policy typically costs more, but could save them in case of an accident. With ValChoice car insurance calculator available online, drivers can determine how much their policy will cost them.
Maryland’s minimum car insurance requirements include liability coverage for bodily injury and property damage to others, personal injury protection (PIP) up to $2,500 per person, uninsured motorist coverage, and an SR-22 certification of insurance – an official document showing compliance with state financial responsibility laws required by the Motor Vehicle Administration before you register or renew license plates with them. You can get this certificate through either your current provider or directly through the MVA.
Geico and State Farm are among the most frequently chosen car insurers in Maryland, but competition for your business is fierce. Smaller providers or even specialist insurers that focus solely on certain vehicles or driver profiles often offer more cost-effective rates; usage-based policies allow drivers with low mileage usage to pay less as a result of tracking usage data.
As is typically the case, men are charged more for auto insurance than women due to an assumption that men tend to be more careless on the road. However, six states have made it illegal to discriminate on grounds of gender when pricing auto policies.
Your driving history is one of the primary determinants of your car insurance rates, so keeping it clean can have a dramatic effect. A poor record could mean higher premiums; on the other hand, having a clean slate could result in lower premiums and savings down the line. Therefore it’s vital that you maintain an impeccable driving history throughout your life to secure cheaper premiums and lower rates for car insurance policies.