Quote Hyattsville, MD Auto Insurance Cheaper With These Proven Techniques

Tired of robbing Peter to pay Paul to buy car insurance? You are in the same boat as many other Maryland consumers.

Drivers have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more challenging to get the best deal.

This article will help educate you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you should be able to reduce your rates substantially using these tips. Nevertheless, Maryland vehicle owners must understand the way insurance companies determine prices because it can help you find the best coverage.

Comprehensive Hyattsville Auto Insurance Comparison Quotes

Most major insurance companies provide prices for coverage on the web. This process doesn’t take much effort as you just enter your coverage information as requested by the quote form. Behind the scenes, the company’s rating system automatically orders information on your driving record and credit history and provides a quote. Online quotes makes it a lot easier to compare rates but the time it takes to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it’s very important to perform this step in order to find a better rate.

The quickest way to find better auto insurance pricing uses one form to return rates from a lot of companies. The form is fast, requires less work, and makes rate comparisons much simpler. After your information is entered, it is rated and you can select any one of the pricing results.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you enter coverages and limits identical to your current policy. This helps ensure you will receive rate quotes based on similar coverages.

Misconceptions in auto insurance advertisements

GEICO, State Farm and Progressive continually stream television and radio advertisements. All the companies have a common claim that you’ll save big after switching to them. How can each company claim to save you money?

All the different companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer could be over the age of 50, has no prior claims, and drives newer vehicles. Any new insured who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who fall outside the “perfect” profile must pay higher rates which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save money. That’s why insurance companies can confidently make those claims.

This illustrates why you need to get as many comparisons as possible. It is impossible to predict which company will provide you with the cheapest rates.

These discounts can lower your rates

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you quote, but less common discounts must be specially asked for before you get the savings.Hyattsville MD insurance ad

  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accident claims.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Life Insurance – Some companies give better rates if you take out life insurance.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Multiple Cars – Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will bring down the cost of coverage.

Your local neighborhood insurance agent

A small number of people would prefer to sit down with an agent and that is just fine! One of the great benefits of comparing rates online is the fact that you can find better rates but still work with a licensed agent. Buying from small agencies is important especially in Hyattsville.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to insurance agents in Hyattsville who will battle for your insurance coverage. There is no reason to leave your computer because quoted prices will be sent to the email address you provide. Now that’s easy! You’ll get the best rates AND a local agent.

Pick the best insurance agent in Hyattsville for you

When searching for local Hyattsville agents, there are two types of agencies to choose from. Agents are either independent (non-captive) or captive.

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.

When shopping rates, you should always get quotes from multiple independent agents to have the most options to choose from.

Listed below is a short list of independent agencies in Hyattsville who can help you get rate quotes.

A and E Insurance – 6495 New Hampshire Ave – Hyattsville, MD 20783 – (301) 559-8900
RAMIREZ Insurance – 3601 Hamilton St – Hyattsville, MD 20782 – (301) 277-3600

Captive Insurance Agents

This type of agents can only place business with one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Listed below is a short list of captive insurance agents in Hyattsville that can give you price quote information.

State Farm Insurance – 3321 Toledo Ter # D201 – Hyattsville, MD 20782 – (301) 853-5200
Allstate Insurance – 7050 Chesapeake Rd # 202 – Hyattsville, MD 20784 – (301) 731-6220

To view a full list of auto insurance agents in Hyattsville, please view this page.

free Hyattsville MD insurance quote

Choosing a car insurance agent should depend on more than just a low price. These questions are important to ask:

  • How long have they worked with personal auto insurance coverage?
  • Are they able to influence company decisions when a claim is filed?
  • Do the companies they represent have a solid financial rating?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Will your rates increase after a single accident?
  • How much can you save by raising your physical damage deductibles?

Upon getting good answers to your questions in addition to an acceptable price estimate, you may have just found an insurance agent that is a good match to properly service your auto insurance policy.

Is my situation unique?

When choosing the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in Maryland?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I benefit by insuring my home with the same company?
  • Does my policy pay for OEM or aftermarket parts?
  • What companies insure drivers after a DUI or DWI?
  • What is the difference between comprehensive and collision coverage?
  • What if I total my vehicle and owe more than it’s worth?
  • Is my vehicle covered for smoke damage?
  • What are the best liability limits?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Additional information is available on the website for the Maryland Insurance Administration. Click here for link. Visitors are able to learn about insurance regulations, file complaints about an insurance agent or broker, and view agent and company licensing information.

Additional helpful sites include FindNewCarInsurance.com and this page for help finding agents in Hyattsville, MD.

Shop smart and save

Cheaper auto insurance can be found online and also from your neighborhood Hyattsville agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, you should never reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price.