Make your own free website on

Maryland is amongst the most expensive states in relation to auto insurance premiums, with average premiums between $2,700 and $3,000. Here's the way to lower your premium and get cheap auto insurance in Maryland.

Cheap Auto Insurance in Maryland

Get Each of the Discounts You Can

Cheap Auto Insurance in Maryland

Discounts reduce your insurance premium, improving your premiums. Common auto insurance discounts include:

* Multi-Policy Discount - to have your home and your car insurance with the same insurance company.

* Multi-Vehicle Discount - to have two or more cars insured sticking with the same insurance company.

* Good Driver Discount - to be accident free for around three years.

* Good Student Discount - for maintaining an increased grade average in class.

* Driving School Discount - to have taken a drivers education class.

* Low Mileage Discount - for driving less miles than the national average.

* Precautionary features Discount - for having safety features like air bags and anti-lock brakes on the car.

* Anti-Theft Devices Discount - to have a burglar alarm or other anti-theft device on your car.

* Older persons Discount - for being age 50 or older and retired.

Ask your agent about these as well as other discounts you might qualify for.

Lower Your Coverages and Enhance your Deductibles

Maryland law necessitates that you have at least the following liability coverages:

* $20,000 per person for bodily injury. This is actually the maximum the insurance company will pay any one person injuries you cause.

* $40,000 per accident for bodily injury. This can be a maximum the insurance company will probably pay - total - for injuries you cause.

* $15,000 per accident for property. Here is the maximum the insurance company will pay for damage you induce to someone else's car or property.

Your premium will likely be lowest if you buy just these minimum coverages, but you may not have enough protection in case there is an accident.

You can also buy comprehensive and collision coverage to pay for physical problems for your car. If you buy this coverage, set your deductibles all the way to you can afford - the bigger your deductibles, the reduced your premium.

Shop Around

Insurance premiums vary from one insurance carrier to another, so you have to shop around and compare quotes. You can actually compare quotes when you go to an insurance comparison website. On such a website you simply type in your insurance information. Shortly thereafter you'll start to receive quotes from multiple A-rated insurance companies.

Cheap Auto Insurance in Maryland