Living in Severna Park puts you right between Baltimore and Annapolis. You have the Severn River on one side and the Magothy River on the other. It’s a great place to live. But like any Maryland town, you need car insurance.
If you have a bad driving record or have been turned down by other companies, you might think you have no options. That’s not true. We can help!
Car Insurance in Severna Park: What You Need to Know
Maryland law requires every registered vehicle to have active auto insurance at all times. The state minimums are:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $15,000 for property damage
These are the minimums. But minimum coverage may not be enough if you have a car loan or want more protection. Many drivers in Severna Park add collision and comprehensive coverage for better protection.
Getting Around Severna Park
Severna Park is split by Ritchie Highway (Maryland Route 2). This road runs between Baltimore and Annapolis and goes right through town. Other main roads include Benfield Road and Baltimore-Annapolis Boulevard (Maryland Route 648). I-97 runs just west of Severna Park, and you can get to town via exit 10 to Benfield Boulevard.
Traffic can get heavy on Ritchie Highway during rush hour. Many people commute to Annapolis, Baltimore, or even DC. The Baltimore & Annapolis Trail runs through town too. It’s a bike trail now, but it used to be a railroad. In the summer, you’ll see plenty of people biking or walking along it.
What MAIF Insurance Offers Severna Park Drivers
MAIF is different from standard insurance companies. Private insurers can say no based on risk. MAIF exists to say yes to drivers who have been turned down elsewhere.
Who qualifies for MAIF in Severna Park?
- You must live in Maryland
- You need a valid Maryland driver’s license or vehicle registration
- You must show proof that at least two private insurance companies have denied you (for reasons other than missed payments)
If you meet these requirements, we don’t turn anyone down. Even if you have a bad driving record, we will cover you.
What if I was dropped for non-payment? That is the one exception. If a company dropped you because you could not pay your bill, you do not qualify for MAIF.
Coverage Options for Severna Park Drivers
MAIF offers more than just liability insurance. You can also add:
- Collision insurance: Pays for damage to your vehicle from accidents
- Comprehensive insurance: Covers non-accident damage like theft, fire, hail, and animal collisions
- Medical payments: Extra coverage for medical expenses for you and your passengers
- Rental reimbursement: Pays for a rental vehicle during repairs
- Towing and labor: Covers towing costs if your vehicle breaks down
These options give you better protection. Collision and comprehensive are often required if you lease your car or have a loan.
How to Apply for MAIF in Severna Park
Getting coverage from your MAIF auto insurance provider in Severna Park is simple. Here is how it works:
- Call a local MAIF agent: You can reach us at 301-476-4887. We help drivers in Severna Park and the surrounding area get back on the road.
- Gather your documents: Before you call, collect your Maryland driver’s license, proof of vehicle ownership or registration, and documentation showing that at least two private insurers have denied you.
- Complete the application: We will go over your personal details, vehicle information, and driving history.
- Review payment options: We offer payment plans to fit different budgets. We have installment options if you need to spread out payments.
- Get your insurance card: You will receive your insurance card after payment. Keep it with you whenever you drive.
Why Choose MAIF Insurance Online?
We have been helping Maryland drivers since 1992. We serve drivers throughout the Baltimore-Washington metropolitan area. Some of our clients have been declined by traditional insurance companies due to a bad driving record. We still offer personal attention and good customer service.
We are an authorized MAIF provider. That means we can issue and underwrite MAIF policies for Maryland drivers who cannot get auto insurance on the private market.
Common Questions About Severna Park Car Insurance
Can I get car insurance with a bad driving record in Severna Park? Yes. MAIF exists to help drivers who have been turned down by other companies. Even with multiple offenses, we will cover you.
What factors affect car insurance costs in Severna Park? Your age, driving record, credit score, the type of car you drive, and where you live all play a role. Insurance can even vary within Severna Park based on your specific neighborhood.
Do I need rideshare insurance for Uber and Lyft in Severna Park? If you drive for Uber or Lyft, you should consider rideshare insurance. Standard personal auto policies may not cover you during all phases of a rideshare trip. We offer rideshare insurance through Progressive for Uber and Lyft drivers.
Get a Free MAIF Quote Online
Do you need cheap car insurance in Severna Park, MD? Call us today at 301-476-4887. You can also get a free MAIF quote online to see if you qualify for Maryland Auto Insurance. We will work with you to find the right plan for you and your vehicle.
This article is for informational purposes and does not constitute legal or insurance advice. Coverage options and eligibility requirements are subject to change. Contact our office for current details.