It’s illegal to drive a vehicle in the state of Maryland without minimum coverage. But many drivers can’t get traditional car insurance for various reasons. If you’re a Maryland driver and can’t get auto insurance coverage, a My MD Auto (formerly called the Maryland Auto Insurance Fund) policy is right for you. We’re a MAIF auto insurance provider in Silver Spring, MD, and we can help you legally get back on the road.
What is MAIF, and Why Do I need it?
The Maryland Auto Insurance Fund is a state-run program that helps to provide car insurance to certain Maryland residents who qualify. People who cannot obtain automobile insurance through traditional means can get coverage with MAIF insurance.
This program also promotes safer driving conditions and protection for all road users.
MAIF was started to ensure that all drivers have access to the legally required insurance. We serve as a safety net for high-risk drivers or drivers with a history of accidents or traffic violations.
Obtaining insurance can be difficult and expensive for individuals labeled as ” bad drivers” due to past infractions. MAIF provides drivers with the necessary coverage to legally operate their vehicles on the road. If you’re a high-risk driver or have received one too many speeding tickets, you may qualify for My MD Auto insurance.
Qualifying for a My MD Auto Policy
You must meet a few vital requirements to qualify for coverage under My MD Auto. For every one that we list, you will need to supply the proper documents as proof.
- You have a valid Maryland driver’s license, which we will need to see as proof.
- You can prove you are a Maryland resident by providing a utility bill, lease agreement, or other official document listing your Maryland address.
- Furnish a copy of your vehicle’s registration to establish ownership and confirm that the car is legally registered in the state.
- Submit any prior insurance information. This includes proof that at least two companies deny coverage for you.
- A thorough driving history report so we can evaluate your driving record.
By compiling these documents and meeting the criteria, you can streamline your application process for your MAIF auto insurance provider in Silver Spring, MD.
How Can I Save Money with MAIF Auto Insurance?
Saving money with MAIF Auto Insurance is easier than you might think. MAIF offers several discounts that can help lower your monthly payments. You may qualify for safe driver discounts, multi-vehicle discounts, or reduced rates if you complete a defensive driving course. If you have a clean driving record or choose a higher deductible, you can save even more.
It’s a good idea to review your policy regularly. This helps you make sure you’re only paying for the coverage you really need, which can help you avoid spending too much. By using these tips and discounts, you can keep your MAIF auto insurance costs down and stay protected on the road.
Get a Car Insurance Quote
As an MAIF provider online, we can help you find a payment plan that works for you and gets you back on the road. Your MAIF auto insurance provider in Silver Spring, MD, will find the lowest rates available. Our team will also see if you qualify for discounts. See Get A Free Quote to receive a free MAIF auto insurance quote.