If you want to save money, the best way to find low-cost prices for car insurance rates is to compare prices annually from insurance carriers who sell auto insurance in Baltimore. You can shop around by following these guidelines.
Step 1: Get an understanding of how car insurance works and the things you can control to lower rates. Many factors that result in higher prices like distracted driving and a poor credit score can be controlled by making minor driving habit or lifestyle changes.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can quote rates from multiple sources. View rates
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price 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.
An essential thing to point out is to try to use identical coverages on every quote request and and to get rates from as many companies as you can. This enables the most accurate price comparison and the best rate selection.
Unthinkable but true, most consumers in Maryland kept their coverage with the same insurance company for well over three years, and almost 40% of drivers have never even compared rates from other companies. Most drivers in America could save almost $859 a year just by shopping around, but they just don’t understand the actual amount they would save if they switched.
Buying the cheapest car insurance in Baltimore can really be easy if you know what you’re doing. In essence, everyone who compares rates for car insurance stands a good chance to be able to reduce their rates. Although Maryland vehicle owners do need to understand how big insurance companies determine premium rates and take advantage of how the system works.
Discounts for cheaper car insurance rates
Car insurance is not an enjoyable expense, but there may be some discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be inquired about prior to getting the savings.
- Data Collection Discounts – Drivers that enable their car insurance company to look at vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as they are good drivers.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
- Good Grades Discount – Being a good student may save as much as 25% on a Baltimore auto insurance quote. This discount can apply up until you turn 25.
- Distant College Student Discount – Any of your kids who attend college more than 100 miles from Baltimore and do not have access to a covered vehicle may qualify for this discount.
- Life Insurance – Larger car insurance companies have a discounted price on car insurance if you buy a life policy as well.
- Government Employee Discount – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
- Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings on car insurance.
- Save with More Vehicles Insured – Purchasing coverage when you have multiple cars with the same company can reduce rates for all insured vehicles.
Discounts save money, but please remember that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any amount of discount will definitely lower your policy cost.
The chart below illustrates the difference between Subaru Impreza car insurance rates with and without discounts. The data is based on a female driver, no driving violations, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.
If you would like to view insurance companies with discount car insurance rates in Baltimore, click here to view.
When comparison shopping, getting more free quotes helps increase your odds of locating the best rates.
The providers in the list below have been selected to offer quotes in Baltimore, MD. If you want cheap auto insurance in Baltimore, it’s highly recommended you visit several of them in order to find the most affordable rates.
Car insurance data for a Subaru Impreza
The coverage information shown below showcases estimates of coverage prices for Subaru Impreza models. Being aware of how auto insurance policy rates are established can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $318 | $478 | $418 | $24 | $126 | $1,364 | $114 |
| Impreza 2.5I 4WD Station Wagon | $318 | $478 | $418 | $24 | $126 | $1,364 | $114 |
| Impreza Outback Sport 4WD Station Wagon | $318 | $580 | $418 | $24 | $126 | $1,466 | $122 |
| Impreza 2.5I AWD 4-Dr | $358 | $580 | $418 | $24 | $126 | $1,506 | $126 |
| Impreza 2.5I Premium Package AWD 4-Dr | $358 | $684 | $418 | $24 | $126 | $1,610 | $134 |
| Impreza WRX 4WD Station Wagon | $358 | $684 | $418 | $24 | $126 | $1,610 | $134 |
| Impreza 2.5 GT 4WD Station Wagon | $400 | $684 | $418 | $24 | $126 | $1,652 | $138 |
| Impreza WRX AWD 4-Dr | $400 | $788 | $418 | $24 | $126 | $1,756 | $146 |
| Impreza 2.5I GT AWD 4-Dr | $400 | $788 | $418 | $24 | $126 | $1,756 | $146 |
| Impreza WRX STI 4WD Station Wagon | $400 | $788 | $418 | $24 | $126 | $1,756 | $146 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in vehicle garaging location which can influence premiums substantially.
The information below shows how choosing a deductible and can affect Subaru Impreza insurance premiums for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Full coverage or liability only
The information below compares Subaru Impreza annual premium costs when comparing full coverage to state minimum liability only. The rates are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no clear-cut formula of when to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Subaru Impreza settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If it’s costing in excess of $800 annually to have full coverage, then it could be time to drop full coverage.
There are a few cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage.
Are insurance agencies of importance?
Some consumers still like to get professional advice from a licensed agent and doing so can bring peace of mind A nice benefit of comparing insurance prices online is that you can find cheaper car insurance rates and still have a local agent.
To help locate an agent, after submitting this simple form, your insurance data is immediately sent to local insurance agents that can provide free Baltimore auto insurance quotes to get your business. You won’t need to leave your computer since rate quotes are delivered immediately to your email address. You can most likely find cheaper rates without requiring a lot of work. If you need to get a rate quote from one company in particular, feel free to navigate to their website and complete a quote there.
Deciding on an insurance company requires more thought than just a cheap price quote. A good agent in Baltimore will have answers to these questions.
- Is the agent properly licensed in Maryland?
- Which companies do they recommend if they are an independent agency?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How long have they worked with personal auto insurance coverage?
- Are they giving you every discount you deserve?
What type of Baltimore car insurance agent is right for you?
When searching for a local Baltimore insurance agency, you must know there are a couple types of agencies and how they function. Auto insurance agents are either independent agents or exclusive agents.
Exclusive Insurance Agencies
These agents can usually just insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training in insurance sales which helps them sell on service rather than price. Consumers often choose to use a exclusive agent mostly because of the prominent brand name and the convenience of having all coverages with one company.
The following are Baltimore exclusive insurance agents that are able to give price quotes.
- Natasha Parker – State Farm Insurance Agent
617 Stemmers Run Rd, Ste AA – Baltimore, MD 21221 – (410) 238-0071 – View Map - Eve Hamper – State Farm Insurance Agent
1118 Light St A – Baltimore, MD 21230 – (410) 528-8900 – View Map - Farmers Insurance – Charles Connolly
6719 York Rd – Baltimore, MD 21212 – (443) 863-7733 – View Map
Independent Agencies or Brokers
Independent insurance agents do not sell for just one brand and that enables them to quote your coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply switch companies in-house which makes it simple for you. If you are comparing rate quotes, we recommend you compare prices from at least one independent agent so that you can do a thorough price comparison. Most can insure with mutual insurance companies that many times have cheaper rates.
Below is a list of independent insurance agencies in Baltimore that are able to give rate quotes.
- Goad Insurance Agency
3229 Erdman Ave – Baltimore, MD 21213 – (410) 558-0396 – View Map - Kirby Insurance Agency, Inc.
14 W Saratoga St #100 – Baltimore, MD 21201 – (410) 837-2320 – View Map - Maryland Auto Insurance (the new MAIF)
1215 E Fort Ave #300 – Baltimore, MD 21230 – (800) 492-7120 – View Map
How to find a good Baltimore auto insurance company
Insuring your vehicle with the right insurance provider can be rather challenging considering how many companies there are to choose from in Baltimore. The company information displayed below may help you select which companies to look at when shopping your coverage around.
Top 10 Baltimore Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Baltimore Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Lower rates by being persistent
Cost effective Subaru Impreza insurance is definitely available online and also from your neighborhood Baltimore agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and most of the time these smaller companies work with local independent agencies.
You just learned many tips how you can compare Subaru Impreza insurance car insurance rates in Baltimore. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest car insurance rates are with a smaller regional carrier.
People switch companies for a number of reasons such as being labeled a high risk driver, not issuing a premium refund, poor customer service or high rates after DUI convictions. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.
To read more, take a look at the following helpful articles:
- State Car Insurance Guides (GEICO)
- Rental Reimbursement Coverage (Allstate)
- Airbag FAQ (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Auto Theft Statistics (Insurance Information Institute)