People who purchase two or more insurance policies from the same company can take advantage of the multi-policy discount. Maryland drivers can get an 8% discount on multiple policies on their car insurance. People who combine their auto and home insurance policies often get the highest discounts from insurers. Some Maryland cities have cheaper car insurance premiums than others because insurance companies consider the driver's zip code when calculating their premium, as well as other factors.
The USAA low mileage discount for auto insurance and the low mileage discount for AAA car insurance will have different requirements than the low mileage discount for traveler car insurance or the low mileage discount for Sfeco car insurance. If you drive less than average and want to try to save on your car insurance policy, then you should look for car insurance that offers a discount for low miles. The following are the most common car insurance discounts available when buying insurance in Maryland. The best high-risk auto insurance companies in Maryland are USAA, Geico and Travelers because they offer the most competitive rates for high-risk drivers.
If you don't qualify for these types of discounts because of your driving habits, there are other ways to save money on your car insurance. For example, drivers in Maryland can expect to pay an average of 78% more for car insurance after actions such as driving under the influence of alcohol, driving with a suspended license, or driving recklessly. With assigned risk insurance, drivers who cannot be accepted are normally assigned to insurance companies that come together collectively to assume the risk of insuring them. A number of car insurance companies offer a discount of around 3% for vehicles with safety devices, including airbags and anti-lock brakes.
Not all auto insurance companies offer low mileage discounts on car insurance, but those that do require drivers to drive less than a specified number of miles per year to qualify. As seen in the table above, you can get a 3% discount on car insurance rates if you install safety devices in your vehicle. In addition to the population and the number of uninsured drivers, other factors that affect car insurance costs include state laws, crime rates, and special weather hazards. Maryland insurers typically offer discounts that fall into three categories: policy discounts, driver discounts, and vehicle discounts.
Maryland insurance companies offer a loyalty discount of up to 7% to their repeat customers after a certain period of time, and some companies may increase the discount the longer you remain an active customer. Just about anyone can get a discount on auto insurance in Maryland because most insurance companies make it easy to qualify for a variety of savings. While actual savings will vary depending on the insurance company, the driver's profile and other factors, you may qualify for several discounts that will significantly reduce your car insurance premiums.