Who Has Cheap Car Insurance Quotes for State Employees in Maryland?

The type of vehicle you are insuring is a significant factor that determines whether or not you can buy cheap auto insurance for state employees in Maryland. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models. The information below shows coverage premiums for a selection of the cheapest vehicles to insure in Maryland.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific Maryland garaging location which can modify coverage prices significantly.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in specific Maryland garaging location which can revise insurance rates greatly.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific Maryland garaging location which can alter prices greatly.

For state workers, one of the largest factors that help determine car insurance rates is where your car is garaged. Areas with more people or even just a higher incidence of claims like Baltimore, Dundalk, and Aspen Hill will most likely have higher rates, whereas areas with less congestion receive better rates.

The information below ranks the highest-priced areas in Maryland for state employees to buy car insurance in.

Premium amounts are estimated as specific Maryland garaging address can alter insurance rates greatly.

Discounts on cheap auto insurance for state employees in Maryland

Insurance providers that offer quotes for state employees could also offer price discounts that could lower prices by as much as 30% if you qualify. A few popular companies and some of their more popular discounts can be found below.

The example below visualizes the comparison of insurance premiums with and without discounts. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, safe-driver, defensive driving course, accident-free, claim-free, and multiple policy discounts applied. When these discounts are applied to the policy premium, the the average amount saved on car insurance for state employees is % or $.

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Is the best company Allstate, State Farm, Geico, or Progressive?

When it comes to buying auto insurance for state workers, four companies to consider are Allstate, State Farm, Geico, and Progressive. Each company has a slightly different set of options and discounts that policyholders can choose from. The data below illustrates ratings and policy coverage options that are available for customers.

How to find more affordable auto insurance for state employees

The list below shows some of the better money-saving suggestions that can help Maryland drivers buy low-cost auto insurance.

• Full coverage may not be needed on older vehicles
• Don’t have frequent claims
• Buy a safer vehicle
• Avoid accidents and claims
• Serious violations like DUI or reckless driving can increase rates dramatically
• Insure your home and auto with the same company
• Ensure you have the best deal by shopping around regularly

The last tip in the list is incredibly significant, as we emphasized in the article above. Car insurance rates change constantly, so you should be ready to change insurance companies if a better deal can be had. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty ends up costing hundreds of dollars year after year. It takes less than five minutes to shop around to find cheaper insurance for state employees.

Cheap insurance quotes for state workers

Due to technology, there are many ways to shop around for car insurance in Maryland, but the three most common methods are through a captive (or exclusive) agent such as Auto-Owners or State Farm, a non-exclusive or independent agent, or from a direct company like Geico or Progressive. Each way has the same basic process, but buyers need to know the differences in how they work.

Independent insurance agents write business for many companies and can compare rates with every one. These agents are usually affiliated with several companies and can compare multiple rates, which can give you improved chances of finding a lower rate. If cheaper coverage is found, it’s simple to move the policy without you having to go to a different agency.

An exlusive, or captive, agency is only able to write business for just one company, a couple examples are State Farm and Allstate agents. These agents normally cannot shop your coverage around, so if prices are high they cannot provide alternatives.

Drivers who opt to buy car insurance direct skip an independent or exclusive agent and instead buy from a direct company like Geico. Shopping for car insurance direct may be good for families who have an average risk profile and have a good understanding of what specific coverages and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best to buy cheap auto insurance for state employees in Maryland? Most drivers assume that buying from a direct company results in the cheapest rates since there isn’t an agent involved, but unfortunately, that is not always true. It could also be said going through an independent agent can save the most money because you have more choices, but that’s not always true, either. In many cases, exclusive agencies have very competitive rates that cannot be met by either independent or direct companies.

Because there are so many factors that make up car insurance rates, really the only way to ensure you are not overpaying for car insurance is to do a thorough rate comparison. We highly recommend getting price quotes all three ways to give yourself the best selection. To see some of the cheapest online companies available, click here to view.