subject: Get Maryland Car Insurance Cheaper [print this page] Get Maryland Car Insurance Cheaper
There are many ways to save money on your Maryland car insurance despite rising premiums and other rates. Anyone who owns a vehicle in the state of Maryland is required to carry a certain amount of auto insurance. This is one of the states that follows a tort system that means someone must be found at fault and that person and the insurance carrier is responsible for paying all the damages. Although you are only required to get a certain amount of car insurance, you may consider getting some additional coverage. Maryland residents are required to have at least $30,000 in bodily injury liability with a maximum of $60,000. They are also mandated to carry the same amount in uninsured/underinsured motorist bodily injury coverage in case of an accident with a driver with no or not enough insurance. Drivers also need at least $15,000 in property damage liability, $2500 in personal liability protection and $15,000 in uninsured motorist property damage. Should you decide to go beyond these minimum requirements, you can shop around for customized packages to meet your needs. For instance, if you need to cover a teen driver with Maryland car insurance, you may face higher rates unless your teen is a good student with a clean driving record. Insurance companies favor good students because they are less likely to be on the road and more likely to follow the traffic laws when they are on the road. Seniors may also find ways to get discounts. Some carriers offer senior driving courses. Those who complete these courses may get lower rates on their premiums. The same goes for those carriers that offer defensive driving courses. You should also check to see if you can get a discount for the type of car you drive. You can get lower rates on insurance with sensible cars rather than exotic or sporty cars because it is more difficult to find replacement parts should you need them. In addition, cars that are less attractive to thieves will help you get lower rates. If you live in an area with a low crime rate, you will pay less for your insurance than someone living in a high crime area will. There are other ways in which you can get Maryland car insurance for less. Cars with good safety features such as air bags, anti-lock brakes and special lights will not cost as much to insure as cars without these features. The same goes for cars with anti-theft measures such as car alarms and steering wheel locks. It is important to look under every stone to find out how you can save on your car insurance. Do not be afraid to ask about any discount you can get.
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