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How to Get the Cheapest Auto Insurance in Annapolis

It makes sense that you want to get the cheapest car insurance quote possible. You want protection, but it has to be able to work with your budget. As a MAIF insurance provider, we’re here to help you get the lowest rate possible. Follow these tips to get yourself the cheapest auto insurance in Annapolis.

Drive Safely

The best thing you can do to benefit your insurance cost is to be a good driver. Obey all speed limits, traffic signals, and posted signs. Getting just one traffic violation or into an accident can make your insurance rates go up. However, if you can keep your record free of accidents and violations, you’ll get cheaper rates that won’t go up unexpectedly.

Only Get the Coverage You Need

You may not actually need that comprehensive coverage on your car. If you own your car outright and don’t have a loan on it, you’re not required to have comprehensive coverage. If this is the case, there are ways to determine if you really need full coverage.

First, consider your risk of actually having to make a claim. Comprehensive coverage covers a wide array of possible physical damage that’s not caused by a collision. This includes things like hitting a deer, getting your car keyed, or it being pelted by hail during a storm. If you don’t live in an area with a lot of wildlife, like a city, and keep your car in a parking garage or something normally, it’s probably not worth it to have.

Next, check the value of your car. Kelley Blue Book is a great tool to be able to see how much your car is worth. If you’re still driving a hand-me-down from family, comprehensive coverage may not be needed.

Last, weigh how much the comprehensive coverage costs. If you think there’s a good chance of you using it and your car has a decent value, it’s probably worth it to get. Comprehensive insurance isn’t unreasonably priced if you’re someone that’s not a high-risk driver. If it fits with your budget, it could be worth the money to cover an emergency.

Change Your Deductible

The higher your deductible, the cheaper the insurance will be. Yes, this does mean you would have to pay some out-of-pocket costs if something small were to happen. But if you’re in a reasonable financial situation to pay those costs, you’ll get cheaper auto insurance and still have it there if something bigger happens.

Continue Your Coverage

One nice thing about MAIF auto insurance is that there are continued-coverage discounts. If you keep your insurance for a year or more, you’ll be able to get lower rates.

MAIF Auto Insurance in Annapolis

Get the low-cost auto coverage you need. Contact us today to get a free estimate.