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Maryland Auto Insurance Policy Information
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The value of good auto insurance often doesn't become apparent until
you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have Maryland auto insurance coverage you can count on. |
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Let one of our experienced Maryland auto insurance
policy specialists explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from a leader in the insurance industry. |
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Learn more about Maryland Auto Insurance
policy coverage options below! |
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Click on the link below to fill out a quote request form
for a Maryland Auto Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our Maryland Auto Insurance agent specialist at 410-385-0455 to discuss the policy features in more detail. |
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We are a Baltimore, Maryland full service insurance agency, offering
affordable Maryland auto insurance policy premiums to those located in the following neighborhoods, cities and counties: Federal Hill, Locust Point, Canton, Fells Point, Bolton Hill, Butchers Hill, Dundalk, Essex, Baltimore Highlands, Lansdowne, Middle River, Rosedale, Arundel Village, Brooklyn Park, Kenwood, Eastpoint, North Point, Chesaco Park, Rossville, Halethorpe, Elkridge, Linthicum, Glen Burnie, Rippling Ridge, Garland, Ferndale, Woodlawn Heights, South Gate, Severn, Catonsville, Shipley, Arbutus, West Edmondale, High Point, Riviera Beach, Green Haven, Orchard Beach, Lipins Corner, Ellicott City, Lochearn, Brighton, Woodmoor, Rockdale, Lynne Acres, Pikesville, Randallstown, Owings Mills, Garrison, Towson, Mays Chapel, Overlea, Parkville, Carney, Perry Hall, Elmwood, Edgemere, North Point Village, Rodgers Forge, Ruxton, Linhigh, Fullerton, Putty Hill, Baynesville, Lutherville-Timonium, Annapolis, Columbia, Hampton, Providence, Montgomery County, Carroll County, Prince Georges County, Howard County, Anne Arundel County, Harford County, and Baltimore County, MD. We also offer Maryland auto insurance services throughout the Old Line State. |
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part of
an auto insurance policy. The minimum liability insurance coverage available for purchase in Maryland is 20/40 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed below. Contact us at 410-385-0455 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in Maryland is $15,000. |
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This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages. |
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Underinsured Motorist Bodily Injury Coverage
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This type of auto insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. |
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Underinsured Motorist Property Damage Coverage
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Protects you if your auto is damaged in an accident caused by a driver who
has insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in Maryland. |
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Maryland Auto Insurance Policy FAQ
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Click on the link below to fill out a quote request form for a Maryland Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with our Maryland Auto Insurance agent specialist at 410-385-0455 to discuss the policy features in more detail. |
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Covers damage caused to the insured's auto (your automobile) from risks such as
theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the Maryland auto insurance policy. |
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Covers damage caused to the owners auto from a collision caused by another auto
or other object. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the car insurance policy. |
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Maryland Auto Insurance Policy FAQ
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Maryland Auto Insurance Policy FAQ
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Maryland Auto Insurance Policy FAQ
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Maryland Liability Coverage limits explanation:
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20/40/15 20=$20,000 - 40=$40,000 - 15=$15,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
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Maryland Auto Insurance Policy FAQ
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Pays personal injury protection for bodily injury "you" sustain in a motor vehicle
accident. The coverage benefits include the following: |
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Maryland Auto Insurance Policy FAQ
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20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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Example of uninsured motorist limits:
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver or
an at-fault driver who has no auto liability insurance. This coverage is required for Auto Insurance in Maryland. Contact us at 410-385-0455 to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Upper Chesapeake
Insurance Agency, Inc.
900 South Charles Street
1st Floor
Baltimore, Maryland 21230
Baltimore County, MD
(410) 385-0455
Fax: (410) 385-3098
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Answer a few questions and
we will provide you with an insurance quote by phone or email. Choose the Maryland personal or business insurance coverage you're interested in from the menu above. |
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Auto Insurance
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Personal Insurance
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Business Insurance
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Upper Chesapeake Insurance Agency, Inc.
Copyright 2005 - 2010 All rights reserved
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Site Built & Maintained by InsuranceWebsiteServices.com
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Upper Chesapeake
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Maryland Home, Health, Auto
& Business Insurance Specialists
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Insurance Agency
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Medical Expenses - all reasonable necessary medical, dental,
ambulance, hospital, licensed nurse, and funeral expenses |
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Loss of Income - pays 85% of loss of gross income sustained
within 3 years from accident by a wage earner |
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Replacement Services - reimburse reasonable expenses incurred
within 3 years of accident if injured person was not a wage earner |
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Death Benefit (for you or any relative) - $1,000 - $5,000
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Bodily injury in personal injury protection coverage means physical harm,
sickness, disease, or resultant death, regardless of who is at fault. |
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Having a teenager included on your auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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Make sure your teen drives safely. One speeding ticket or fender-bender can send
your teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your teenager's
auto insurance if a "B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring them will
decrease as they get older. |
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Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many drivers
choose these services for the added security and convenience they provide. |
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Maryland Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired because
of a covered event. |
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Maryland Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem (roadside). This
policy is often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Maryland Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any broken window
on your car is required. |
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Maryland Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are given by
the insurance agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder of your
policy, it will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused damage or injury. |
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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If you have an older car, you can lower your Maryland auto insurance premium by
reducing or dropping your collision or comprehensive coverages. Cars being sold today are much more costly to repair, just ask your auto mechanic the next time you see him. If you damage your older car in a car accident, it's likely that your repair costs will be lower than those for a newer car with similar damage. The amount of Maryland auto insurance premium that goes toward that coverage option is only slightly reduced for older cars than for newer ones. You can usually save some premium by taking on a small amount of risk. |
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Lower Auto Insurance Premium - Increase Your Deductibles
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Auto insurance premiums are based on the amount of coverage you have, and
the deductible you must pay before an insurance claim is paid. Auto insurance deductibles usually range between $100 and $1,000. A lower deductible raises the premium amount, and a higher deductible will lower your monthly Maryland auto insurance premium.
You should consider setting your deductible at an amount that you are
comfortable with. Determine the amount that you could afford to spend on your car in any given month if you had an accident. The amount that won't prevent you from paying all your bills is a good amount for an auto insurance deductible.
Remember though, if you have an car accident, the deductible you've chosen
must be paid before the insurance company will pay for your repairs, and there can be hidden costs in a car accident. For example, your Maryland auto insurance policy may not pay the cost of a rental car while your car is being repaired. |
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Low-Mileage Discounts
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The more miles you drive, the greater the chances of being involved in an
accident. Most auto insurance companies offer discounts to drivers who keep the number of miles they drive each year under 10,000 to 12,000 miles. |
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Moving Violations
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Most automobile insurance companies provide discounts to drivers who have
not had a moving violation in the past 3 years. Insurance companies consider speeding tickets and accidents the most serious moving violations which have an impact on your Maryland auto insurance premiums.
Review your driving record prior to shopping for Maryland auto insurance. You
may want to consider holding off on buying new auto insurance if you have a moving violation which can be removed from your records within a short period of time. |
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Reduce Auto Insurance Premium - Fewer Accidents
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Auto insurance companies want to insure the best drivers. Safer drivers have
fewer accidents, fewer speeding tickets, and make fewer claims. Every time you are involved in an auto accident or a moving violation, the state where you are licensed assesses points to your driving record. Auto insurance companies limit their risk exposure by charging higher premiums to drivers who have more points on their driving records. Convictions of driving under the influence of drugs or alcohol is often viewed as much more serious than a speeding ticket or a car accident by insurance carriers.
If you think that you apply for good driver rates, be sure to ask companies
when you are shopping for auto insurance what their "good driver" discounts are. Compare that price to the good driver rates of other companies, to help determine what the best Maryland auto insurance policy is for you and your family. |
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Reduce Auto Insurance Premium - Anti-Lock Brakes
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Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking mechanisms will lock if the driver slams the brake pedal, which can cause hydroplaning in wet conditions or skidding on dry surfaces. The proper way to avoid this is to pump the brakes. People are limited in the speed with which they can pump a brake pedal, so anti-lock brakes do the pumping for you and improve safety.
Auto insurance companies want to reduce the chance that their policy holders
will have a car accident. The auto insurance discounts offered are another incentive to buy cars equipped with anti-locking brakes. |
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Multiple Insurance Policy Discount
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Many auto insurance companies will offer lower premiums if you have multiple
insurance policies with the same company, or multiple vehicles insured under the same policy. This works differently depending on which specific insurance company you are dealing with.
Insurance companies will offer discounts if you purchase a homeowners
insurance policy or an umbrella insurance policy to go along with your Maryland auto insurance policy. |
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Click on the link below to fill out a quote request form for a Maryland Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with our Maryland Auto Insurance agent specialist at 410-385-0455 to discuss the policy features in more detail. |
