Free Guide to Cutting Costs on Cheverly, MD Car Insurance Online

I can’t think of anyone who looks forward to buying car insurance, especially knowing their premiums are through the roof.

Multiple insurers compete for your business, so it can be very hard to choose a insurer to find the absolute best rates possible.

Consumers need to price shop coverage yearly since insurance rates are usually higher with each renewal. Just because you had the best deal last year you can probably find a lower rate today. Starting right now, block out anything you think you know about car insurance because you’re going to get a crash course in how to quote online to remove unneeded coverages and save money.

Decisions you make can impact your rates

Smart consumers have a good feel for the different types of things that help determine the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
  • The more you drive the more you pay – The more miles you rack up on your car in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Do you know you’re credit rating? – Your credit score is a huge factor in calculating your car insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit is low, you could pay less to insure your by spending a little time repairing your credit.
  • More than one policy can earn a discount – Most companies provide better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Mature drivers pay less – Older insureds are more cautious drivers, file fewer claims and get fewer tickets. Young drivers are statistically proven to be more careless when behind the wheel and because of this, their car insurance rates are much higher.

Don’t pay full price with these discounts

Car insurance companies do not advertise all available discounts very clearly, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.

  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for better rates on cars that stay parked.
  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Paperless Signup – A handful of insurance companies will give a small break just for signing your application digitally online.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accident claims.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount on car insurance.
  • College Student – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

For a list of companies with the best car insurance discounts in Maryland, follow this link.

What about my local Cheverly agents?

Some consumers would prefer to visit with an insurance agent and that is just fine! The biggest benefit of getting online price quotes is you may find the lowest rates but also keep your business local.

To find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to local insurance agents who will return price quotes for your coverage. There is no reason to drive around because quoted prices will be sent straight to your inbox. Now that’s easy! It’s the lowest rates AND an agent nearby.

Deciding on an provider needs to be determined by more than just the price. Here are some questions to ask:

  • Can they provide you with a list of referrals?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they specialize in personal lines coverage?
  • Do they receive special compensation for putting your coverage with one company over another?
  • How long have they worked with personal auto insurance coverage?

Below are agents in Cheverly willing to provide rate quotes.

Allstate Insurance – 6001 Landover Rd # 7, Cheverly, MD 20785 – (301) 322-5500
State Farm Insurance – 5629 Landover Rd, Cheverly, MD 20784 – (301) 277-4828
Nationwide Insurance – 5505 Landover Rd, Cheverly, MD 20784 – (301) 864-5800

Upon receiving positive feedback to your questions and locked in a price quote, most likely you have located a company that meets your needs to adequately provide car insurance.

Do drivers who switch really save?

Companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads say the same thing that you’ll save big if you change your coverage to them. How does each company claim to save you money?

All companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer might be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. A propective insured who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential insureds who do not match these standards will be charged a more expensive rate and ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully advertise the way they do. That is why drivers should get as many quotes as possible. It’s not possible to predict the company that will give you the biggest savings.

compare rates in Cheverly MD

When might I need an agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Do I qualify for additional discounts?
  • Do I need PIP (personal injury protection) coverage in Maryland?
  • Do I really need UM/UIM coverage?
  • Should I buy additional glass protection?
  • What are Maryland no-fault laws?
  • Does my personal policy cover me when driving my company car?
  • Is there coverage for injuries to my pets?
  • Who is covered when they drive my vehicle?
  • Should I rate my vehicle as pleasure use or commute?
  • Where can I get insurance after a DUI in Maryland?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

More detailed Maryland car insurance information can be read at the Maryland Insurance Administration website. Maryland drivers can discover disciplinary actions, read enforcement actions against agents and companies, and view a list of available companies.

In the end, you save

Affordable car insurance is definitely available online and with local Cheverly insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone dropped collision coverage only to find out that the savings was not a smart move. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.