Affordable Car Insurance Auto Insurance in Maryland - Compare Rates




Marylanders enjoy a great assortment of scenery and landscapes, ranging from sand dunes, hills, and pine groves in the mountains to the wetlands of the Chesapeake Bay, the largest estuary in the USA.


Driving to all these places sure is fun, but before you enjoy the beautiful landscapes don't forget your automobile insurance, because if you get caught driving without valid insurance, it will no longer be fun.

The State follows a Tort system and someone must be found at fault for causing the accident, and that person and his insurer are responsible for all the damages.

Required Automobile Insurance Coverage

In the State of Maryland, a vehicle must be covered by liability insurance at the time of registration and renewal.

LIABILITY INSURANCE

This will cover you against any claims of bodily or property damage to another person. This coverage will also protect your family member or a person driving your car with your permission
>> Bodily Injury Liability: $30,000/$60,000 Limit
>> Property Damage Liability: $15,000 Limit

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UNINSURED MOTORIST (INCLUDING UNDERINSURED) COVERAGE (UM)

This protects you when you are involved in an accident with a person who is not insured or is insured but not adequately.
>> Uninsured/Underinsured Motorist Bodily Injury: $30,000/$60,000
>> Uninsured Motorist Property Damage: $15,000 Limit

PERSONAL INJURY PROTECTION (PIP)

This covers for
>> Medical expenses
>> Funeral expenses
>> Loss of income

The objective is to guarantee financial support or compensation to the victims regardless of who is at fault.
>> Personal Injury Protection: $2,500 Limit

Taking mandatory insurance is a necessity but it doesn't imply that the coverage is sufficient for you. You should understand your needs and then go for insurance.

You can also avail benefits of the following coverages.
>> Collision Coverage - This will cover the damages when your car collides with another automobile or any other object.
>> Comprehensive Coverage - This coverage pays for damages if your car is damaged for any other reason than a collision with another car .e.g. theft, fire, animals, etc.

If you don't carry adequate insurance, then you will loose your license plates and registration. You will have to spend an amount of $150 for the first 30 days, and $7 a day thereafter as uninsured motorist penalty fees. Add to it $25 for the vehicle registration privilege. So isn't it wise to purchase a policy?

Just getting the policy is not adequate what you also need is a Maryland Insurance Certification (FR-19), which is the only acceptable form of verification when asked for insurance proof.

You must be thinking that purchasing insurance is just a money spending activity, but it is a way of protecting you and your loved ones. Plus you can save if you act smart.

Maintaining a good driving record suggest that you are less accident prone. This will lower your premium. Also if you are capable of paying a higher deductible then you can reduce your physical damage premium.

Also ask for discounts, you may be eligible for quite a few discounts such as "good driver" discount, "good student" discount and discounts for senior and experienced drivers. You may be in for a sweet shock when you notice how discounts substantially reduce the premium rates.

More important is to explore various rates the insurance companies offer; you should not only concentrate on the lower rates but also on the ratings of an insurance company and how well it handles the insurance claims. For this you can use the internet, shop online and save time and money.

All the best for shopping!!

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