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Auto Insurance Buyer's Guide for Maryland

How to Shop

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Step 1. Understand What Affects Your Rates

Know which factors make a difference. Your driving record over the past three years, your credit history, who you are and what you drive will determine the price you'll pay. Insurers also typically ask about your age, gender, zip code, marital status and annual mileage. Finally, the type and amount of coverage, the deductibles and the safety features of your cars will affect your final rate.

Drivers With No Accidents	VS.	Drivers With 2 or More Accidents
Average rate increase = $1,000

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Source: Insurance.com data, 2009.

Step 2. Decide How Much to Buy

Make sure you're protected. Auto insurance protects you, your passengers and your personal assets. If you rent an apartment, home or condo, and don't have other assets, state minimum limits may be enough. If you can afford more, it's usually worth it. And, if you own a home or have other assets to protect, you definitely need more than minimum limits.

Start by comparing rates for the coverages on your current policy. Then, compare the cost of buying more – or less – coverage. We’ll explain the differences, so you clearly understand the trade-offs.

Why Buy Comprehensive Coverage?

Rank
6.
7.
8.
9.
10.

State
Michigan
Washington
Illinois
Ohio
Maryland

Cars Stolen
42,151
37,622
33,887
33,779
28,393

Learn more about coverages

Source: National Insurance Crime Bureau

Step 3. Shop Smart and Save

Get comparison quotes. Insurance rates can change monthly, so annual insurance shopping near your renewal date is worth the time. Insurance.com lets you compare multiple real-time rates from top Maryland auto insurers, including Progressive and Liberty Mutual. Simply renewing your policy with your current company could cost you more than you think, so keep your company honest by seeing real prices directly from competing companies.

Get Quotes From These Top Maryland Companies

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Step 4. Learn How Auto Insurance Really Works

Auto insurance is about more than cars. Companies base your rates on the personal information you provide when requesting a quote – and your insurance company will verify that information using your Motor Vehicle Report, and claim and credit history.

Insurance.com makes it easy. You only need to answer these questions once to receive competing quotes from the Maryland auto insurance companies we represent. No need to visit or call different agents or companies who may only offer one quote. Ready to get started?