The state of Maryland requires that all drivers have liability insurance, uninsured motorist (UM) protection, and that they have personal injury protection (PIP) coverage.
Without these minimum insurance coverages in place it is illegal to drive any motor vehicle on any public roadway in Maryland.
The penalties for not having the proper insurance in Maryland are severe.
Uninsured drivers face the possibility of loss of their car's registration, the confiscation of their car's license plates, plus additional penalties that may be imposed by a judge.
Not being able to afford car insurance in Maryland is no excuse for driving with the proper insurance coverage.
That is why it is so important to many drivers to compare low cost car insurance and find the best deal possible.
Before we begin comparing policies let's discuss a few steps you can take to insure that you will be able to find the lowest possible rate for your car insurance here in Maryland.
Let's begin with your driving record.
There are few things that will cause your monthly insurance premiums to rise faster than a speeding ticket or a conviction for drunk or impaired driving.
If you speed or drive under the influence and are caught then you have no one but yourself to blame for your sky-high insurance rates.
Students under 25 years of age can often qualify for a Good Student Discount on their car insurance premiums if they stay in school and maintain at least a "B" grade point average.
Drivers who are 55 years of age or older also may be able to save money on their monthly premiums.
Talk to your insurance agent about taking a driver's refresher course.
Most car insurance companies here in Maryland offer a discount of up to 10% for the successful completion of a remedial driver's course for older drivers.
Do you have an older car, especially one with little or no Kelly Blue Book value?If so you could be just throwing your money away if you are paying for collision or comprehensive coverage on such a vehicle.
Talk to your insurance agent and see if it makes sense for you to cancel your collision and comprehensive coverage on an older vehicle.
Now that you know how to save money when designing a car insurance policy it's finally time to jump online and start comparing policies and prices at a variety of different companies.
You will find dozens of websites that encourage you to make car insurance comparisons, but keep in mind that most sites only compare a few different companies, so it is important for you to fill out the form at 2 or even 3 different comparison sites in order to be certain that you really and truly are getting the very best deal you possibly can.
Without these minimum insurance coverages in place it is illegal to drive any motor vehicle on any public roadway in Maryland.
The penalties for not having the proper insurance in Maryland are severe.
Uninsured drivers face the possibility of loss of their car's registration, the confiscation of their car's license plates, plus additional penalties that may be imposed by a judge.
Not being able to afford car insurance in Maryland is no excuse for driving with the proper insurance coverage.
That is why it is so important to many drivers to compare low cost car insurance and find the best deal possible.
Before we begin comparing policies let's discuss a few steps you can take to insure that you will be able to find the lowest possible rate for your car insurance here in Maryland.
Let's begin with your driving record.
There are few things that will cause your monthly insurance premiums to rise faster than a speeding ticket or a conviction for drunk or impaired driving.
If you speed or drive under the influence and are caught then you have no one but yourself to blame for your sky-high insurance rates.
Students under 25 years of age can often qualify for a Good Student Discount on their car insurance premiums if they stay in school and maintain at least a "B" grade point average.
Drivers who are 55 years of age or older also may be able to save money on their monthly premiums.
Talk to your insurance agent about taking a driver's refresher course.
Most car insurance companies here in Maryland offer a discount of up to 10% for the successful completion of a remedial driver's course for older drivers.
Do you have an older car, especially one with little or no Kelly Blue Book value?If so you could be just throwing your money away if you are paying for collision or comprehensive coverage on such a vehicle.
Talk to your insurance agent and see if it makes sense for you to cancel your collision and comprehensive coverage on an older vehicle.
Now that you know how to save money when designing a car insurance policy it's finally time to jump online and start comparing policies and prices at a variety of different companies.
You will find dozens of websites that encourage you to make car insurance comparisons, but keep in mind that most sites only compare a few different companies, so it is important for you to fill out the form at 2 or even 3 different comparison sites in order to be certain that you really and truly are getting the very best deal you possibly can.