Article by Renee Walker
Everyone who owns a car must have the minimum Maryland car insurance required by state law. Still, it is important that you shop around to get the best rates possible when you are looking for quality coverage. You must also know the state requirements to ensure that you are getting the best coverage for your money as well as determine whether you will need any additional coverage.
The state of Maryland requires that car owners carry of ,000 per injured person and up to ,000 per accident of Bodily Injury Liability insurance. You must also have a limit of ,000 for Property Damage Liability coverage. The law also requires that you Uninsured/Underinsured Motorist Bodily Injury coverage of ,000 and up to ,000 per accident and Uninsured Motorist Property Damage of at least ,000. You will also need Personal Injury Protection of at least 00.
You also have other options in your coverage although you are not required by law to carry any other type of Maryland car insurance. For instance, you may want to look into the various discounts for special circumstances. Many insurance companies will offer discounts for safe drivers. If you have a good driving history with little or no traffic violations, you may get lower rates on your deductibles and premiums. If you have a car with good safety features such as airbags, you may also be able to pay lower rates than many others may. Some insurance companies even court female drivers because they have statistically been known to drive slower and get into fewer accidents than men.
If you equip your car with anti-theft devices such as alarms or a locking steering wheel, some companies may lower your rates. Where you live and park your car can also determine how much you pay for your insurance. If you live in an area with a low crime rate and less risk of break ins, you will not have to pay as much for your insurance as someone living in a high-risk crime area. If you drive a car that is less attractive to thieves, your insurance company may also offer you lower rates.
There are also factors that can lead you to pay higher rates for Maryland car insurance. Teens are notoriously difficult to insure because of the risk they impose, so you may pay more to insure a teen driver. However, teens that make good grades are less expensive to insure. Those who have traffic violations or other run ins with the law are also less likely to find the best rates possible if they are able to get insured at all. Senior drivers should also look for conditions that can help them find discounted rates on car insurance.
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