Maryland Car Insurance FAQ
The answers to Maryland Car Insurance FAQ’s below will help you answer the many questions that may arise when buying car insurance coverage in the State of Maryland.
1. Do I need car insurance
in the State of Maryland?
Proof of car insurance coverage is required in the State of Maryland. The law requires that you carry a Maryland insurance certification FR-19 to show proof of insurance at all times when you drive a vehicle on public roadways. Driving without insurance can result in the revocation of the registration of your car. You will have to return your license plates, pay a fine, or even in some cases serve a jail term. You will have to pay a fine charged each day you drive without insurance cover.
2. How much car insurance coverage
am I
required to have in the State of Maryland?
The State mandated minimum coverage amount is $20,000 for bodily injury per person, $40,000 per accident, and $15,000 for property damage. A $2,500 Personal Injury Protection (PIP) cover and Uninsured/Underinsured Motorist (UM/UIM) cover is also mandatory for a deductible of $250.
3. Will the minimum coverage mandated
by the laws in the state of Maryland be
enough to cover my expenses when
an accident takes place?
The State mandated minimums can be insufficient compared to the medical costs and repair costs at the time of some accidents and it is recommended that you consider purchasing higher liability insurance coverage.
4. How can I make my
insurance premiums cheaper?
You can take advantage of the discounts offered by insurance companies, the incentives provided by insurance companies, maintain a regulated driving, credit and work history and buy a car that has a safety record. Taking measures to fit the car with safety fittings and take anti theft measures will reduce the premium. Agreeing to pay higher out of the pocket amounts can also reduce the premium.
5. What can I do if my application for a
car insurance policy is turned down
because
MD car insurance companies
consider me a high risk driver?
You can find car insurance companies who will be willing to offer you insurance on a non standard basis. In the State of Maryland, the MAIF (Maryland Automobile Insurance Fund) will help insure high risk customers. The premiums charged to high risk drivers are higher than standard premiums.
6. Which insurance company
do you represent?
We do not represent an insurance company. Our purpose is to help the consumer get better information of available MD car insurance options. We do not function as insurance brokers nor do we recommend and endorse any insurance company.
7. How can your free Maryland
Car
Insurance Quote Tool help me?
Our Free Maryland Car Insurance Quote tool is designed to give you the best car insurance premiums available to you from Maryland car insurance companies. When you fill the accompanying form, the quote tool offers at least five insurance companies quotes based on details of your car and lifestyle. The quote tool can be accessed at all times and can be a time and money saver.
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Insurance Quotes Now!
Enter your information in at the top of the page to get started comparing quotes from competing insurance companies. Get started saving money on Maryland car insurance now!