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For many people, the mere mention of the words “auto insurance” makes them wince in pain. Whether it’s the price or the anticipated confusion of figuring out the policy, shopping for and starting a new auto policy is thought by some to be about as much fun as a root canal. If you are one of those people, you have come to the right place. At Cheapautoinsurancemaryland.net, you will discover that learning basic laws and resources to find cheap auto insurance in Maryland is simple and painless! To get started, all you have to do is read the important information below and then enter your zip code in our quote box.
Finding cheap car insurance in Maryland is not as difficult as you think. Once you have a basic understanding of insurance requirements in the state of Maryland, putting together a great and affordable policy is easy. You can realize a savings on your policy by knowing what is required and not required coverage. For example, since Maryland is not a no-fault state, you are not required to purchase no-fault insurance. Additionally, Personal Injury Protection Insurance (PIP), insurance that covers lost wages and medical expenses, is also not required in Maryland. However, Maryland drivers are required to have UM/UIM (Uninsured/Underinsured Motorist) coverage for bodily injury and property damage with the same minimum coverage requirements as is required for all liability policies. Liability coverage is also required by law in the State of Maryland with the following liability amounts:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 30,000/60,000 | 100,000/300,000 |
| Property Damage Liability | 15,000 | 50,000 |
| Uninsured Motorist Bodily Injury | 20,000/40,000 | 100,000/300,000 |
| Personal Injury Protection | Not required | Meets state minimum requirements |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 250 deductible |
| Comprehensive | Not required | 0 deductible |
You will also need to remember that there are important rules that you must adhere to while driving, one of the most important being the speed limit. The Maryland speed limit laws, put in place for safety and to ensure traffic flow, are:
| Speed Limits | |
| Rural Interstate | 65 mph |
| Urban Interstate | 65 mph |
| Other Limited-Access | 65 mph |
| Other Roads | 55 mph |
Log on to the Maryland Department of Motor Vehicles website to learn more about how to apply for a driver’s license and what is required to obtain a vehicle registration and a state ID card:
Maryland Department of Insurance:
The Official Maryland State Website:
Once you have researched and learned the basics of obtaining cheap automotive insurance in Maryland, having your insurance agent put together a policy will be easy. Another key point to remember when choosing a policy is to ask for discounts! You may be surprised at how many discounts you qualify for — examples include discounts for having a great driving record, having safety and anti-theft devices, a professional discount, and a senior citizen discount. Be sure to ask your agent for a list of available discounts and take advantage of all that you can.
Although you must have auto insurance because it is the law, finding cheap car insurance in Maryland does not have to be complicated or break the bank. With , simply enter your zip code in our quote box, answer a few questions and you’re well on your way to a great auto policy!
Also, be on the lookout for local savings in these major Maryland cities:
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