Learn How to Quote Gaithersburg, MD Auto Insurance Like a Professional

Saving money on Gaithersburg auto insurance is always hard for people who are new to comparing rates online. People have so many options available that it can quickly become a real hassle to find the best price in Gaithersburg.

Shopping for the best auto insurance in Gaithersburg is not that difficult. If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay while maintaining coverages. Maryland drivers just need to know the most efficient way to shop their coverage around over the internet.

Cheap Gaithersburg Auto Insurance Comparisons

Performing a rate comparison can take hours if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with insurance companies in Gaithersburg, or you could save time and use the web to achieve your goal.

Many insurance companies participate in a marketplace that allows shoppers to send in one quote, and at least one company can provide price quotes based on the submitted data. This eliminates the need for repetitive form submissions to each company.

To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to pricing coverage this way is that you can’t choose the insurers you want to price. So if you want to choose specific providers to receive pricing from, we have a listing of companies who write auto insurance in Maryland. Click here to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage information for each comparison quote. If you use different liability limits you will not be able to find the best deal in Gaithersburg.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked about in order for you to get them. If they aren’t giving you every credit available, you’re just leaving money on the table.

• Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application online.
• Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
• Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
• One Accident Forgiven – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.

To choose insurance companies who offer auto insurance discounts in Gaithersburg, click this link.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

• Where do you drive? – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy is rated on the correct driver usage.
• Allowing your policy to lapse raises rates – Not having insurance is illegal and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, getting caught without coverage will get you a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with the Maryland department of motor vehicles.
• Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
• More claims means more premium – If you are a frequent claim filer, you can definitely plan on higher rates. Car insurance companies in Maryland provide lower rates to drivers who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
• Rural vs Urban Areas – Residing in less populated areas can save you money when buying auto insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Fewer people translates into fewer accidents.
• How many coverages with the same company – Some auto insurance companies give discounts to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to make sure you are getting the best deal.

Quote more, save more

Insureds change insurance companies for a variety of reasons including questionable increases in premium, poor customer service, unfair underwriting practices or even policy cancellation. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Discount auto insurance is definitely available online and also from your neighborhood Gaithersburg agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about auto insurance in Maryland can be found on the Maryland Insurance Administration website located here. Visitors are able to learn about specific coverages, read consumer alerts, and read enforcement actions against agents and companies.