You want the right auto insurance coverage when you’re getting back on the road. We’re a MAIF Auto Insurance Provider in Waldorf, MD, that offers a unique solution for Maryland drivers who may have trouble getting traditional insurance. As a state-created entity, MAIF is here to help all eligible drivers have access to the coverage they need.
MAIF’s Mission and Purpose
MAIF, also known as Maryland Auto, plays a unique role in Maryland’s auto insurance industry. Our mission is to provide insurance to drivers who have been denied coverage by other two insurance companies or had their policies canceled. As a state-created program, MAIF ensures that all eligible drivers have access to auto insurance so they can legally drive in Maryland.
Our Target Demographic
You can benefit from MAIF if any of these categories apply to you:
- You have a poor driving record
- You’re high-risk individuals due to age or inexperience
- You have canceled or non-renewed policies
- You’re a driver unable to secure coverage from at least two private insurers
Comparison with Voluntary Market Insurers
Unlike traditional insurers, MAIF acts as a last resort for drivers who can’t find coverage anywhere else. While it offers similar coverage options like liability and property damage protection, MAIF’s primary focus is to help high-risk drivers meet legal insurance requirements. You can improve your driving record over time with Maryland Auto Insurance.
How to Navigate MAIF Coverage Options
While you get MAIF insurance, you’ll find many coverage options to meet your needs. The basic coverage includes the state-mandated minimum of $20,000/$40,000 for bodily injury and $15,000 for property damage. This minimum coverage will ensure you are legally covered to drive in Maryland.
We also provide optional coverage to enhance your policy. These include comprehensive and collision coverage, which are valuable if you have a newer vehicle. For older cars over 20 years, liability-only coverage is more cost-effective.
When you speak with your MAIF agent, they will help customize your policy. They can help tailor your auto insurance coverage to your specific situation. Whether you’re a new driver, have a learner’s permit, or need coverage for several cars, we’ll find the best coverage for you. Your MAIF auto insurance provider in Waldorf, MD will find the more affordable options for you if you struggle to find coverage elsewhere.
Financial Aspects of MAIF Insurance
When you’re considering MAIF auto insurance, you need to understand how we calculate your premium and what options you have for payment. We base your premium on factors such as your age, driving experience, vehicle type, annual mileage, driving history, location, credit history, and marital status. These factors help create a custom premium that reflects your risk profile.
MAIF offers several ways to save on your insurance. You can get discounts for being a safe driver, maintaining constant coverage for one year, or paying your premium in full.
We offer flexible payment options. You can set up a MAIF payment plan and spread out your payments after you make an 18% down payment, with nine monthly installments following. The first payment is due 45 days after you sign the policy. We accept many payment methods like credit or debit cards, checks, and online banking transfers.
Get Cheap Car Insurance in Maryland
We’re your MAIF Auto Insurance Provider in Waldorf, MD. We keep drivers who do not qualify for traditional coverage on the road. Contact us today to learn more about your coverage options. Our goal is to keep Maryland’s roads safer and offer inclusive coverage options. Get a free MAIF quote today to get started.