Who Has the Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Maryland?

Establishing which company quotes the lowest-priced car insurance rates for drivers with a bad driving record will take a bit more effort in order to find the lowest price quote. Every auto insurer has their own guidelines to set their prices, so we need to take a look at the car insurance companies that tend to be cheaper in Maryland.

It’s important that readers know that Maryland car insurance rates are based on many factors that can increase the cost of having a policy. Improving your credit rating, buying a different home, or getting a couple of tickets may cause policy rate changes resulting in some companies being more affordable than the competition.

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USAA may have some of the best car insurance rates in Maryland at around $948 annually. Penn National, Liberty Mutual, Erie, and State Auto would also make the list of some of the more affordable Maryland auto insurance companies.

In the above example, if you buy coverage from State Auto and switched to Penn National, you might realize a yearly savings of around $121. Policyholders with Amica might save as much as $241 a year, and MetLife customers might see rate reductions of $279 a year.

To see if you’re overpaying, click here to start a quote or quote rates from the companies below.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and are not factoring in a rate surcharge for drivers with a bad driving record. So the company that is best suited for you may not even be shown in the list of companies above. That helps illustrate why you need to compare prices as often as possible using your own driver information and specific vehicle type.

When shopping for the cheapest insurance for bad drivers, one of the many considerations that is used to help calculate a rate quote is your zip code in Maryland. Areas that are more densely populated like Baltimore, Towson, and Aspen Hill tend to have more expensive auto insurance rates, whereas less populated areas have the enjoyment of a little cheaper coverage.

The next table lists the more expensive cities in Maryland for drivers with a bad driving record to purchase a policy in.

Prices are approximated as specific location information can revise prices greatly.

The illustration below shows how choosing a deductible can affect insurance rates when getting quotes for cheap insurance for drivers with a bad driving record. The data is based on a married male driver, full coverage, and no policy discounts are applied.

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In the chart above, a 50-year-old driver could lower rates by $284 a year by changing from a $100 deductible up to a $500 deductible, or save $428 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could possibly save $942 each year by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it is essential to have enough funds in savings to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Choosing the right car insurance provider is hard considering how many different insurance companies sell coverage in Maryland. The rank data in the next section may help you pick which auto insurance companies you want to consider when comparing rate quotes.

These ratings are only comprised of large, nationwide insurance companies, so companies that focus mainly on Maryland business are not taken into consideration for this list. If you would like to check rates and find the cheapest rates for drivers with a bad driving record, click this link.

Cheapest insurance quotes for bad drivers

You have many ways to buy car insurance in Maryland, but the most common methods are from an exclusive insurance agency like Allstate or Auto-Owners, a non-exclusive or independent agent, or direct either online or via phone.

They all have the same basic principle, but they differ in how they work.

Independent insurance agencies work with multiple companies and can get policy pricing from every one. Agents of this type are not locked into one company and can provide multiple price quotes, which may provide you with better odds of saving money. If they find a cheaper price, they simply move the coverage in-house and you don’t have to switch agencies.

An exclusive ageny is usually restricted to a single company such as a State Farm or Liberty Mutual agent. These agents are unable to quote prices from more than a single company, so if their pricing is high, there is no alternative.

Consumers who buy car insurance direct skip an independent or exclusive agent and instead buy buying direct from a company like Geico or Esurance. Shopping direct is good for families who do not have complex finances and know more than average about how car insurance works.

So which of the methods works best for finding the cheapest auto insurance for drivers with a bad driving record in Maryland? It would be obvious to point out buying direct saves money because there is no agent taking a commission, but unfortunately, that is not the case. And we’d like to say using an independent agent guarantees the best prices due to increased selection, but that assumption is also not accurate. In a lot of cases, exclusive agents have price quotes that are well below what direct and independents offer.

Since car insurance prices are based on many different factors, the guaranteed way to ensure you are not overpaying is to do a thorough rate comparison. It’s recommended that drivers get price quotes from all three in order to be able to find the lowest price. For a list of companies with online discounts, click here to view.