cheap car insurance in maryland

Cheap Car Insurance in DC for a Shoestring Budget

cheap car insurance in dcAcquiring Cheap Car Insurance in DC doesn’t have to be difficult or complicated when saving money is your primary goal.  At you can use the power of our Rapid Quote Partner Network to seek out multiple free quotes in minutes from top insurance companies and get the best bargain car insurance in DC that we offer.

It isn’t often that you can save money on something you want, much less something that’s required like car insurance, but saving 10%-40% with our Partner Network is a reality for Washington DC car insurance customers that take the time to compare car insurance quotes in DC.  For some pretty astonishing details about online quoting and why it’s so powerful to cut premium costs allowing our customers to consistently get cheap car insurance in DC, you can view on of our previous articles about the savings from quoting car insurance online here.

Cheap Car Insurance in DC-Quoting by Zip Code

While you may be a seasoned car insurance buyer, our objective is to not only provide you with the lowest DC car insurance prices, but to also educate you about the online car insurance quoting process and the minimum car insurance requirements that you need to meet in DC and all of Maryland while obtaining the cheap car insurance in DC that you’re looking for.

Location is an important component to car insurance because the car insurance companies keep actuarial statistics about things like the claims for accidents, theft and vandalism for each zip code.  When you enter your zip code into our quoting system to find the cheapest car insurance in DC, our system directs the partners in our network to display those serving your specific area offering discounted insurance at the present time.  You can think of the zip code as setting a foundation on which your quotes are based.

What is the Average Car Insurance Cost in Washington DC?

Aside from anything to do with you and your situation, it’s important to know that the national average for car insurance is about $1454 while the Maryland average is about $1922.  These averages vary up and down with time.  The average for Washington DC is about $2050 or so and as you may already know there are numerous zip codes in DC.

Cheap Car Insurance in DC – Maryland Requirements

As you may be aware, car insurance in Washington DC is regulated at the State level in the State of Maryland.  It’s regulated at the State level in every State and Maryland is no different.  What does vary though, is the cost of insurance based on where you live in Maryland and even where you live in Washington DC.

Before we discuss the requirements, how much do you understand about car insurance?  To get a quick basic primer that will help you greatly while quoting, you can go to one of our partner sites as a reference for the 7 different types of car insurance available.

Maryland follows a Tort system when it comes to car insurance.  What this means for you the insured is that if you’re in an accident, someone will be found to be “at-fault” for the accident and they along with their insurance company will have to pay for damages that result from the accident.  Details of a Tort system can vary from State to State, but the basic premise holds true.

Maryland also requires you to have under insured and uninsured motorist liability protection.   While it’s not required in every state, it is in Maryland and frankly, it’s one of the most affordable and most important coverages you can have.  The minimum required coverage for this is $25,000 per person and up to $50,000 per accident to cover bodily injury sustained in an accident.

With that being said, the minimum car insurance requirements for Washington DC are:

Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured Motorist Bodily Injury: $25,000/$50,000 Limit

Cheap Car Insurance in DC – The Many Ways to Save

Now we’re getting to the heart of the matter.  You came here to save money.  You’ve learned how important online quoting is.  You’ve learned the minimum requirements for the State of Maryland that you need to adhere to.  Now, let’s talk about all of the ways you can really tighten the belt buckle on the savings.

Below are Some Rock Solid Ways to Make Sure You Get cheap car insurance in DC for Your Situation:

  1. Drive a car of lesser value so you can possibly get rid of collision coverage.  You’ll know that you can if the cost to fix your car in most accidents is more than the car is worth.
  2. Raise your deductible as much as possible to save money. Don’t do it to the point that you can’t afford it if you were get into an accident.
  3. Don’t drive a car that has a low overall safety rating.  Own a car that has the most critical safety features.  Often aftermarket safety features can be added if you have an older car.
  4. There is no point to driving a high performance car that is costly to repair. Nor one that is stolen or vandalized often or has a history of high accident claims because of the temptation to race the car and drive it recklessly.  Obviously, this defeats the purpose of trying to get the lowest car insurance in DC.
  5. Can you drive less miles by carpooling or biking more often?  Less miles, saves money on car insurance and there are many ways to save on miles.
  6. Combining policies with the same insurance company.  We have that ability because we carry just about every type of insurance you may need.
  7. You or your kids can get discounts for good grades in high school or college that may apply if they’re still in school (or you for that matter).
  8. Taking a few minutes to get 3-5 online quotes to make sure you’re receiving the lowest pricing for the coverage you’re looking for.
  9. Keeping a good claim free driving record.
  10. Having a good credit rating will also help to a lesser degree.

As you can see, your ability to save with our system and our knowledge base has never been better.  It’s our job to help you in every way possible and educating you is a big part of that process.  We hope you’ve enjoyed this article and that you really enjoy the savings!


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Posted in: Auto Insurance, Insurance

Cheap Car Insurance in Maryland with Fast Free Quotes

cheap car insurance in marylandAs a Maryland resident, you can quickly get cheap car insurance in Maryland with fast free quotes from our Rapid Quote Partner Network that provides some of the best car insurance in Maryland at discount prices making it affordable for anyone on a tight budget looking for affordable car insurance in Maryland from a dependable insurance provider.

Just because you’re getting Cheap Car Insurance in Maryland, don’t be fooled into thinking that you’re getting quotes from second rate companies.  All of our partner providers are top rated companies that are household names such as Progressive, Geico, Nationwide, 21st Century, State Farm and many more.

Cheap Car Insurance in Maryland – Average Rates

While we often get the question of: “What is the average car insurance rates in Maryland?” it’s important to understand that it varies from City to City and more specifically by zip code.  That’s why when you quote car insurance coverage in Maryland, you enter your zip code into our Rapid Quote system.  Let me give you an example.

The average car insurance rate in Maryland is about $1922, yet the average in Baltimore is $2496 and the average rate in Columbia is $1966.  Why the difference?  There are a whole host of components that make up a car insurance quote in Maryland and before you even consider your own personal information, the insurance companies will consider the car insurance claims, theft claims and vandalism claims in your specific area to get a base to work from.

Cheap Car Insurance in Maryland – The Quoting Process

By getting multiple quotes (3 to 4) from our Rapid Quote Partner Network, you’re actually allowing our partners to compete for your business, because no two car insurance companies will quote your car insurance the same.  In fact, it’s the only way you’re going to know for sure that you’re getting the cheapest car insurance in Maryland for your specific situation.

The quoting process is fast, free and it certainly is far more convenient that calling insurance agents to set appointments and taking the time to visit offices when you can do it all from the comfort of your computer in just minutes.  You can start with minimum coverage based on the State of Maryland car insurance requirements and build on your coverage from there depending on your needs.

The quoting process will guide you through the details you need to get the quotes you’re looking for and it’s important to know that you’re just quoting…. there is never any obligation to purchase and obviously there’s not pressure from an insurance agent!  You can then modify your coverage amounts and deductible amounts to adjust it to your budget to insurance you’re getting cheap car insurance in Maryland that really fits you’re budget.  In a past article we outlined eight solid reasons online quoting by itself, with our Partner Network, will give you the some of the cheapest car insurance in Maryland .  In fact, the same article discusses ten ways to save on your insurance that can make a big difference regarding how much money you’ll save compared to people that don’t know these tips.  Our job is to prepare you in the best possible way so you save money!

We’re not going to assume that you completely understand car insurance and it does vary from State to State.  If you need to learn more about the basics of car insurance before you begin quoting please feel free to learn more about car insurance from Wiki at the link provided.  Just below, we’re going to discuss the car insurance requirements for the State of Maryland so you know the minimums you need to get and you’ll be able to proceed from there.

Cheap Car Insurance in Maryland-Maryland Car Insurance Requirements

There are minimum car insurance requirements in Maryland, just like every other State.  Maryland follows a Tort system when it comes to car insurance meaning that when their is an accident, someone will be found to be at-fault and that party along with their insurance company will bear the financial responsibility for any damages resulting from the accident.  The details of the system vary from State to State.

Additionally, Maryland requires Personal Injury Protection or PIP Coverage.  Not most states that require this coverage are no-fault states.  Not so with Maryland.   PIP coverage helps pay for what could become necessary but reasonable costs related to medical expenses for you or your passengers whether you’re at fault or not.  The minimum coverage for PIP Coverage is $2500.

The other minimum required coverage for Maryland residents are:

Bodily Injury Liability: $30,000/$60,000 Limit
Property Damage Liability: $15,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $30,000/$60,000
Uninsured Motorist Property Damage: $15,000 Limit
Personal Injury Protection: $2,500 Limit

These are minimum requirements for car insurance in Maryland and have to be adhered to.  That doesn’t mean you can’t get more coverage.  You certainly can and in fact most people do depending on their circumstances.  If you drive alot with kids or more passengers than just yourself in the car, it’s almost a necessity to raise your bodily injury liability coverage limits.

By getting multiple quotes from our Rapid Quote Partner Network, you’re going to be assured to get the best car insurance companies giving you the cheapest car insurance in Maryland possible as these companies essential compete for your business.  Add to this these additional ways to save on your cheap car insurance in Maryland that we discussed earlier and you can’t go wrong.

We hope this has been helpful to you as you begin quoting and remember the quoting process is free and there is no obligation to purchase so you can just shop and compare if that’s the point you’re at as a car insurance consumer.  We hope you enjoy the savings.



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Posted in: Auto Insurance, Insurance