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Cheap Maryland Auto Insurance

Cheap Maryland auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Maryland.
auto insurance in Maryland

Trying to find cheap auto insurance in Maryland has never been easier! We offer our free quote tool to a plethora of people throughout the country, as car insurance isn’t the cheapest thing on the planet. Not only do we have very comprehensive quotes, we offer only those from some of the best countries in the industry. If you’re looking for a new policy – you’ve found the best way to start!

Understanding Maryland Auto Insurance Law & Practices
Maryland is a Torte state. A driver who is sited as being at fault in an accident will be held responsible financially for medical bills of any and all victims injured in the accident. The victims may also sue the responsible driver for damages resulting from the accident such as pain, suffering, and lost wages. It is recommended by the majority of the insurance companies in the state of Maryland that you carry more than the mandatory minimum liability auto insurance, although that’s the easiest way to obtain cheap Maryland auto insurance.

Also, it should be said that insurance companies may exclude persons in your household from coverage on your auto insurance policy if they are not specifically named on the application for insurance. This is termed as “Household,” “Family,” or “Intro-Family” exclusion. The insurance company may also use your credit history to determine your risk factors and set your insurance premiums, and if your credit isn’t great, you’ll find it harder to find cheap Maryland auto insurance. They cannot however, set your insurance rates or deny you coverage based solely on your personal credit history. The insurance company must notify you that they will be accessing your credit history as part of their evaluation procedure for acceptance and premium rates.

Maryland Auto Insurance Averages
The average insurance premium in Maryland was about $949.00 as of 2006. Maryland was ranked as having the 12th highest premium average in the United States, so it may be very wise for a person to genuinely look for cheap auto Maryland auto insurance. It will be more expensive to insure a luxury car or a sports car. You should also keep in mind that insurance premiums will be higher on vehicles which are a high priority for thieves. The cars that made the top 10 stolen vehicles in Maryland are:

1. 1994 Dodge Caravan
2. 1994 Honda Accord
3. 1991 Toyota Camry
4. 1996 Ford Taurus
5. 2000 Honda Civic
6. 2000 dodge Intrepid
7. 1996 Jeep Cherokee/Grand Cherokee
8. 1994 Plymouth Voyager
9. 1997 Ford Crown Victoria
10. 2001 Dodge Stratus

If you’re looking for cheap auto insurance in Maryland, you may want to consider the other options available to you. These other types include: uninsured and underinsured coverage. Uninsured coverage protects you and your vehicle if you are involved in an accident where the other individual is at fault and without insurance. Underinsured covers cases where the other individual involved does not have enough insurance. Personal injury protection will cover lost wages, death benefits, and medical expenses for you no matter who is at fault. Comprehensive insurance covers accidents that occur because of acts of nature such as hitting a deer. Collision covers damages to your own vehicle when it is in an accident.

In Maryland, individual who are over 55 years of age must be offered the College Graduate and Defensive Driver Discount if they have taken and completed a driving safety course sanctioned by the state, another great tip for cheap Maryland auto insurance.

Understanding the car insurance law and common practices in any state can be a little bothersome. But even with that being the case, knowing that you have a helping hand can prove to be vital. With our free quote tool, you’ll find that your choice for any type of insurance is well taken care of! We don’t skimp when it comes to finding you cheap auto insurance in Maryland, as we only want you to save as much money as possible!

Useful links:
Maryland Division of Motor Vehicles
Maryland Division of Insurance
Maryland Department of Revenue

Maryland minimum requirements
Bodily Injury Liability Per Person: $20,000.00 Limit
Bodily Injury Liability Per Accident: $40,000.00 LImit
Property Damage Liability Per Accident: $15,000.00 Limit
Unisured/Underinsured Liability: $20,000.00/$40,000.00 Limit
Personal Injury Protection (PIP): $2,500.00 Limit

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