Follow These Insider Ways for Lower Salisbury Car Insurance

No one likes paying for car insurance, especially knowing their premiums are too high.

You have so many auto insurance companies to pick from, and although it’s a good thing to have multiple companies, it can be more difficult to find the best rates.

You should take the time to shop coverage around every six months since insurance rates go up and down regularly. Even if you think you had the best deal two years ago you can probably find a better price now. So ignore everything you know about car insurance because you’re going to get a crash course in how to use online quotes to lower your annual insurance bill.

Shopping for affordable coverage in Salisbury is not that difficult. Just about every vehicle owner who is required by state law to have car insurance most likely will be able to cut their insurance bill. Nevertheless, Maryland drivers benefit from understanding the way companies sell online and take advantage of how the system works.

How to Compare Car Insurance Costs in Salisbury

There are several ways of comparing price quotes and find the best price. The best method to find the cheapest insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

The fastest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating multiple quote forms for each company. Just one form compares rates instantly.

A less efficient way to find lower rates consists of going to the website for every company you want to comare to request a price quote. For sake of this example, we’ll assume you want to compare rates from Nationwide, Allstate and State Farm. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in Salisbury, click here.

The least efficient way to get comparison rates to different agent offices. Buying insurance online has reduced the need for local agents unless you have a need for the professional advice of a local agent. However, consumers can find lower rates online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make sure you use the exact same deductibles and coverage limits for each price quote. If your comparisons have different liability limits then you won’t be able to determine the lowest rate in Salisbury. Slightly different coverages can make a big difference in price. And when quoting car insurance, remember that comparing more company’s prices will enable you to find the best price.

Neighborhood agents for car insurance

A small number of people just want to buy from a licensed agent. One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to. Supporting small agencies is especially important in Salisbury.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is sent to companies in Salisbury who will compete for your business. There is no reason to drive around because quoted prices will be sent directly to your email. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.

The different types of insurance agents

When researching an insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Salisbury agents can either be independent (non-captive) or captive.

Independent Agents

These agents do not work for one specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.

When comparison shopping, it’s a good idea to include price quotes from at a minimum one independent agency to get the best comparison.

The following are independent agencies in Salisbury willing to provide rate quotes.

Peninsula Insurance Co – 112 E Market St – Salisbury, MD 21801 – (410) 742-5132
Causey Insurance Inc – 1121 S Division St – Salisbury, MD 21804 – (410) 742-6408

Captive Insurance Agents

These agents write business for a single company like State Farm, AAA and Liberty Mutual. They generally cannot shop your coverage around so it’s a take it or leave it situation. Captives are well schooled on the products they sell which can be an advantage.

Shown below is a list of captive insurance agencies in Salisbury that can give you comparison quotes.

State Farm Insurance – 246 Tilghman Rd – Salisbury, MD 21804 – (410) 742-8141
Allstate Insurance – 111 Naylor St – Salisbury, MD 21804 – (410) 860-0866

To view a full list of car insurance agents in Salisbury, please go to this site.

Picking an auto insurance agent shouldn’t rely on just a low price. Agents should be asked these questions:

  • Does the agency provide any after hours assistance?
  • Do they regularly work with personal auto policies?
  • Do the companies they represent have a solid financial rating?
  • What insurance company do they write the most business with?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How are claims handled?
  • If they are an independent agency, which companies do they recommend?
  • Do they feel the quoted coverages are adequate?

Once you have acceptable answers for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that is a good match to adequately provide car insurance.

More sites with car insurance information

Much more information about car insurance in Maryland is available on the website for the Maryland Insurance Administration. Click here for link. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and read state legal mandates and laws.