It’s a known fact that car insurance companies don’t want you to look for cheaper rates. Consumers who shop around are likely to switch insurance companies because there is a significant possibility of finding better rates. Surprisingly, a recent survey revealed that people who made a habit of comparing rates saved as much as $70 a month compared to other drivers who never compared rates.
If finding the cheapest price on insurance in Baltimore is the reason you’re reading this, learning how to quote and compare insurance premiums can save money and time.
If saving money is your primary concern, then the best way to get budget Buick Rainier insurance is to compare prices regularly from providers that insure vehicles in Baltimore.
First, take a few minutes and learn about coverages and the factors you can control to prevent rate increases. Many rating criteria that cause rate increases such as getting speeding tickets and an unacceptable credit history can be eliminated by improving your driving habits or financial responsibility. Read the full article for tips to find cheap rates and find possible discounts that are available.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and State Farm, while independent agencies can provide prices from many different companies. Start a quote
Third, compare the new quotes to your existing coverage and determine if cheaper Rainier coverage is available in Baltimore. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is to use the same level of coverage on every price quote and to quote with as many companies as possible. Doing this provides a level playing field and a thorough selection of prices.
If you have a policy now, you will most likely be able to shop for the lowest rates using this strategy. Finding affordable coverage in Baltimore is actually very simple if you learn how to start. But Maryland car owners should learn how insurance companies calculate your policy premium because it can help you find the best coverage.
Most companies make it easy to get prices for coverage on their websites. Doing online quotes for Buick Rainier insurance in Baltimore is very simple as you just type in your coverage information into the form. Upon sending the form, their quoting system pulls your driving record and credit report and returns pricing information based on these and other factors. Being able to quote online for Buick Rainier insurance in Baltimore makes it simple to compare prices and it’s also necessary to compare as many rates as possible if you are searching for a lower rate.
To save time and get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you enter deductibles and limits as close as possible to your current policy. Doing this guarantees you will receive a fair comparison using the same coverage and limits.
The following companies provide price quotes in Maryland. To get cheap auto insurance in Baltimore, it’s a good idea that you get price quotes from several of them to find the cheapest auto insurance rates.
Insurance rates and discounts
Car insurance can cost a lot, but companies offer discounts that can help lower your rates. Some trigger automatically at the time of purchase, but some discounts are required to be specially asked for prior to getting the savings.
- Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote Baltimore auto insurance depending on your insurance provider.
- Anti-lock Brake System – Cars that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
- Passive Restraints and Air Bags – Options like air bags could see savings of 20% or more.
- Discount for Life Insurance – Insurance companies who offer life insurance give a break if you buy a life policy as well.
A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
If you would like to view insurers who offer discounts in Maryland, click here to view.
When should I talk to an insurance agency?
Some consumers just prefer to go talk to an agent and that can be a smart move A nice benefit of comparing insurance prices online is you may find lower rates and still have a local agent. Buying from and supporting small agencies is important particularly in Baltimore.
To make it easy to find an agent, after completing this simple form, the quote information is sent to insurance agents in Baltimore who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home since price quotes are sent to you instantly. It’s the lowest rates without requiring a lot of work. If you need to get a price quote from a particular provider, you can always go to their quote page and fill out their quote form.
Different types of auto insurance agents in Baltimore
When searching for a local Baltimore insurance agency, there are a couple of different types of agencies and how they are distinctly different. Auto insurance agents are classified as either exclusive or independent (non-exclusive).
Independent Insurance Agents
Independent agencies are not limited to a single company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move your policy to a different company and you stay with the same agent.
When comparing rate quotes, you absolutely need to get several quotes from independent agents to maximize your price options.
Below is a list of independent insurance agents in Baltimore that may be able to provide price quote information.
Mason and Carter Inc
23 South St – Baltimore, MD 21202 – (410) 539-6767 – View Map
Senate Select Insurance
5417 Reisterstown Rd – Baltimore, MD 21215 – (410) 358-0411 – View Map
Baltimore Insurance Network
11 E Lexington St – Baltimore, MD 21202 – (443) 869-6424 – View Map
Exclusive Agencies
Exclusive agencies can only quote rates from one company and examples are AAA, Allstate, and State Farm. Exclusive agents cannot provide other company’s prices so they really need to provide good service. These agents are well trained on their company’s products which helps overcome the inability to quote other rates.
The following is a list of exclusive agencies in Baltimore that are able to give rate quotes.
Allstate Insurance: Shanda Hayden
7200 Eastern Ave a – Baltimore, MD 21224 – (410) 282-7863 – View Map
Mimi Brown – State Farm Insurance Agent
911 S Lakewood Ave – Baltimore, MD 21224 – (410) 878-0232 – View Map
Raul Braun – State Farm Insurance Agent
8609 Old Harford Rd – Baltimore, MD 21234 – (410) 663-3100 – View Map
Deciding on a insurance agent needs to be determined by more than just a cheap quote. Here are some questions you might want to ask.
- Are there any extra charges for paying monthly?
- Are all drivers listed on the coverage quote?
- Does the agent recommend any additional coverage?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are they in the agency full-time?
- Are they giving you every discount you deserve?
- Do they specialize in personal lines auto insurance in Baltimore?
- How often do they review coverages?
What Determines Buick Rainier Insurance Premiums?
Consumers need to have an understanding of some of the elements that play a part in calculating your auto insurance rates. When you understand what determines base rates, this helps enable you to make changes that can earn you better auto insurance rates.
Claims cost money – Auto insurance companies in Maryland give cheaper rates to policyholders who do not file claims often. If you file a lot of claims you can look forward to either higher rates or even cancellation. Auto insurance is intended for major claims that would cause financial hardship.
Lower rates with continuous auto insurance coverage – Not maintaining insurance can get you a ticket and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, getting caught without coverage may earn you fines and jail time. You may need to submit proof of financial responsibility or a SR-22 with the Maryland motor vehicle department to get your license reinstated.
More people means more accidents – Choosing to live in less populated areas has definite advantages when shopping for auto insurance. Urban drivers have to deal with much more traffic and longer commutes to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
You may save more by consolidating policies – Many insurance companies afford discounts to people that purchase more than one policy. It’s known as a multi-policy discount. The discount can be ten percent or more. Even with this discount applied, you may still want to compare other Baltimore Rainier insurance rates to confirm you are receiving the best rates possible.
The higher your credit rating the lower your costs – Having a bad credit score can be an important factor in calculating your premium rate. Insureds with high credit ratings tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit score could use some work, you could pay less to insure your Buick Rainier by improving your credit score.
Tickets will cost you – Getting just one citation may cause rates to rise by as much as thirty percent. Good drivers receive lower rates than bad drivers. Drivers who have received careless tickets like reckless driving or DUI might be required by their state to prove financial responsibility with their state in order to drive a vehicle legally.
Type of car determines base prices – The performance level of the vehicle you own makes a significant difference in your premium level. The lowest premiums will generally be found on economy passenger vehicles, but the final cost of insurance is determined by many other factors.
Protect more than your Buick vehicle
Despite the fact that auto insurance is not cheap in Baltimore, paying for auto insurance may be required for several reasons.
- Almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability coverage in order to drive the car legally. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your vehicle has a loan, most lenders will make it mandatory that you have comprehensive coverage to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your Buick at an extremely high rate and require you to reimburse them for the expensive policy.
- Insurance safeguards not only your car but also your assets. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your Rainier greatly outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $700 annually so we recommend shopping around at every policy renewal to ensure rates are competitive.
Compare insurance prices regularly to save
Some insurance companies don’t offer online rate quotes and most of the time these small, regional companies work with independent agents. The cheapest Buick Rainier insurance in Baltimore can be purchased on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection.
We’ve covered many ideas to find cheaper Buick Rainier insurance in Baltimore. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the best rates are with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.
More detailed insurance information is available by following these links:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has Affordable Baltimore Car Insurance Rates for 17 Year Olds? (FAQ)
- What Auto Insurance is Cheapest for a Ford Explorer in Baltimore? (FAQ)
- Who Has Cheap Baltimore Auto Insurance Quotes for High Risk Drivers? (FAQ)
- How Much are Baltimore Auto Insurance Rates for Drivers Under 25? (FAQ)
- Who Has Affordable Baltimore Auto Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- Who Has the Cheapest Baltimore Auto Insurance Quotes for a Nissan Altima? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Under 21 in Baltimore? (FAQ)
- Who Has Cheap Baltimore Car Insurance for Drivers with a Bad Driving Record? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)
- State Car Insurance Guides (GEICO)