Archive for the ‘Maryland Car Insurance Rates’ Category

Compare The Best Auto Insurance Companies In Maryland – Rating And Review

Who are the best car insurance companies in Maryland? Which carriers charge the lowest rates and settle claims the quickest? There may not be a single right answer to these questions, since there are many very reputable Maryland insurance carriers. We review the largest companies to give you personal information and data not found on most other websites. And of course, you can compare rates and get the lowest prices by requesting a free quote at the top of the page.

Regardless if you have current coverage, or are uninsured, we help you find the best and most reliable options. Most drivers (new and experienced) are eligible for special discounts that can substantially reduce rates. Regional and national carriers typically offer policies in most areas of the state. Group property and casualty products are offered by selected companies, and often premiums receive a corporate discount.

Biggest Online Carriers

Progressive has catchy commercials but also very competitive rates. In most areas of the state, if you have more than one vehicle and a reasonably-respectable driving record, you’ll be happy with their rates. Their “Name Your Price” option allows you to customize the premium you want to pay with the coverage you can buy. Although they are an Ohio-based company, they have great online claim service along with mobile units and drive-in claims offices. Their portfolio of products has gradually increased over the last 10 years, and now includes preferred and high-risk policies, along with several ancillary products.

Like most companies, rates can greatly fluctuate, depending on where you live. Do you have a home, RV, boat, motorcycle or snowmobile? Then you’re lucky, because Progressive will cover those risks, and perhaps give you an additional discount for bundling your policies. Prices are also very competitive for condos and rental property. Coverage can be customized, depending on required benefits. Seniors that drive limited miles will receive a substantial discount.

Additional coverage is provided for your travel trailer, ATV, golf cart, Segway, and other personal watercraft. You can also purchase protection for mechanical repair, wedding and events, electronic devices, auto refinancing, home warranty, home security, travel, vision, dental, umbrella, auto and home in Mexico, compact tractors, and ID theft. Financial products offered through the website include short-term health, Medicare plans, home financing and refinancing, universal, term, and whole life insurance, online banking, and personal loans. Note: Life insurance rates are more competitive when purchasing from a major carrier.

Snapshot

Their “Snapshot” device, which attaches to your car, may also save you money. Thus far, more than $1 billion has been distributed to policyholders. It is, of course, optional. Since it is “usage-based,” your premium is based on how well you drive. Information is collected regarding how quickly you brake, how fast and when you drive, and how often the vehicle is used. Hard brakes and sudden acceleration may impact your rate.

Excessive speeding, sudden stops, and crossing lanes will also have a negative impact on your premium. The average savings is approximately $230 per driver. Trip logs, trip details, and a dashboard that provides tips and discount details, is provided. A “road test” is available that allows potential customers to test Snapshot without changing companies.

There are several drive-in claims centers in the state. The two largest are located in Silver Spring (Old Columbia Pike) and Glen Burnie (Cromwell Park Drive). An additional office is in Frederick (Thomas Johnson Drive). You can easily leave your car at these locations, and drive your rental vehicle away. When the repairs are completed, you can return to the same location. Several car dealerships offer valet service, although most vehicles may not be eligible.

Recently, Progressive initiated the “Open The House” program, which is designed to assist first-time home buyers. An “UpPayment” feature is offered to 100 eligible persons to help with the initial down payment. $13,500 grants are offered to help needy individuals and families buy their initial residence. A mobile exhibit has also been created.

Are You Burning Through Money On Auto Insurance?

If you are comfortable with working with your insurance company online, Esurance is a great choice. They’re currently in 43 states, and Maryland is one of those states. Customers seem happy with the initial rates they are quoted, and the coverage choices match what other carriers offer. Usually, you can also reach them by phone if any service is needed, whether it is billing, coverage, or claim related.

Allstate is the parent company so you are in “good hands” with Esurance. Regarding their rates…they seem to be very competitive when the household has multiple drivers and vehicles. Policies have been available in the state since 2000, and both preferred and high-risk options are offered. Offered discounts can be easily bundles for maximum savings.

If you stay away from tickets and accidents, the price you pay should stay fairly stable. Motorcycle, renters and other types of coverage are also available. And the “DriveSafe” voluntary program is offered when a teenager resides in the household. It will help limit the number of texts and emails when the vehicle is is moving. Customized alerts can provide information regarding excessive speeding, erratic driving, or texting while driving.

“CoverageMyWay” is a fairly new automated system that generates customized quotes based on the information you provide. Through a combination of independent algorithms, specific recommendations show you the most appropriate coverage you should have. Many other carriers also offer similar services under a different brand name.

Progressive Claim Centers can be found at the following locations:

Arlington (Fairfax Drive)

Baltimore (Eastern Avenue)

Frederick (Thomas Jefferson Drive)

Gaithersburg (Downing Street)

Glen Burnie (Cromwell Park Drive)

Hunt Valley (McCormick Road)

Laurel (Cherry Lane)

Leesburg (Fort Evans Road)

Mechanicsville (Oxley Drive)

Oxon Hill (Oxon Hill Road)

Rockville (King Farm Boulevard)

Salisbury (Eastern Shore Drive)

Silver Spring (Old Columbia Pike)

Springfield (Commercial Drive)

Geico (Government Employees Insurance Company), since 1973, has been available to non-government employees. And that’s good news, because their rates are typically very good in most parts of the state. They are owned by Warren Buffett and Berkshire Hathaway, so there’s plenty of money to pay claims! More than 28 million vehicles are covered and more than 17 million persons have an active policy. 24/7 service is provided by 17 national offices and local representatives. US Military (past and present) are eligible for special discount programs.

They offer many of the best auto discounts as any other carrier and also have one of the largest portfolios of products they insure (including mobile homes and life insurance). And yes…they still offer a discount if you are a government employee or are actively employed or retired from the Military, Reserves or National Guard. Some documentation is required, but the reduction will be effective when your policy begins. Like many companies, they offered credits to customers during the COVID-19 pandemic since most customers drove less. The discounts averaged about $150 per household.

Additional lines of business offered include collector autos, RVs, ATVs, boats, and motorcycles. Coverage for mobile homes, floods, investment and rental property, and landlord-tenant buildings are also provided. Business owners can utilize professional and general liability, along with special commercial property and casualty rates. Policies are also offered for identity theft, pets, overseas travel, special jewelry.

Since Geico is based in Maryland, there are plenty of approved facilities for your vehicle to be repaired. Generally, an adjuster will meet you at the approved location, review the damage, and issue the estimate at that time. After all repairs are completed, you can pick up your vehicle. The “repair facility guarantee” provides lifetime coverage (as long as you own the car or truck) on the work that was completed.

USAA previously offered coverage to US army officers (only). They now offer coverage to anyone or their immediate family that was a member of the armed forces. They routinely win awards of providing superior service and handling claims quickly and efficiently. If you’re insured with USAA, you conduct your business online or by phone. But it seems to work and their rates are very good in some areas of the state. Surprisingly, their homeowner’s premiums are also quite competitive.

Bundling policies provides an immediate 10% discount, and alternative flexible billing options are offered without any extra charges. A unique Military installation discount is available along with length of membership and vehicle storage discounts. Other discounts include family discount, limited driving miles, driver training, and vehicle storage. The mobile app provides easy access to live customer service representatives.

A large financial center is located in Annapolis (Prince George Street) that provides property and casualty products along with life insurance, healthcare options, banking and certificates of deposit, and loans for vehicles and residences. Portfolio management, 529 plans, and other financial instruments are also offered. Additional services to local residents include an available notary, signature guarantees, military separation information. This location also serves the US Naval Academy, Coast Guard (Baltimore Sector), and Fort Meade.

Maryland Auto Insurance Carriers With Best Rates

We Shop The Best Companies For You

National Companies

State Farm is an established experienced carrier that provides more of a local presence in Maryland than the online companies. You can visit physical offices located throughout the state and easily sit down with an agent and discuss specifics. That doesn’t mean their rates are going to be the lowest on the block, but they usually are worth looking at. Your area may have an office every few blocks or much more spread out. It depends where you live.

They have a wide selection of non-property and casualty products such as life insurance. Agents tend to stick around for many years and typically have more experience then other agents. Of course, sometimes, with a “captive” company, the value of the administrative assistant and support staff are just as important. Popular State Farm discounts available in Maryland include vehicle safety, student away at school, steer clear, passive restraint, multiple line, good driver, good student, multi-car, and drive safe and save.

NOTE: The “drive safe and save” program is very popular. A 5% discount is offered upon initial enrollment. You must have a qualifying vehicle and agree to share specific information. The potential savings could reach 50% on certain parts of the policy by using OnStar communication devices or In-Drive (if installed). A smartphone app can also be utilized. Lower mileage will result in increased savings and the information collected from the previous 18 months determines the amount of discount.

Travelers is one of the largest insurance companies, but many people don’t realize it. They are a large provider of business and commercial coverage along with the standard auto and homeowners policies. You may have seen their commercials where the red umbrella is usually prominently displayed. They offer identity fraud protection along with special events and wedding coverage. And, of course, their rates are usually worth comparing. In Maryland, policies offer $50 per day and $1,500 per month for substitute vehicles (rental), and 15 miles of roadside assistance coverage.

The Travelers Companies are based in Hartford (CT) like many other carriers, and offer additional financial products. They are also listed on the Dow Jones Industrial Average (DOW), and their payroll-deduction plans are very popular with many educational institutions. Some of their diversification can be seen in the specialty risks they insure, such as construction, oil and gas, renewable energy, technology, and transportation. They are also the first nationwide carrier to offer a discount for hybrid vehicles, and also the first company to underwrite travel and space contracts.

With more than 13,000 available brokers, it’s easy to obtain free quotes through our website, and then subsequently receive local or online service. Help is also available to teen drivers, who can qualify for three separate discounts: Good Student – 3.0 GPA or “B” average needed. Driver Training – Teens under age 21 that complete a driver-training course. Away At School – Students that attend school more than 100 miles from home can qualify.

Nationwide is not only on your side but are also one of the five largest car insurance companies in Maryland. Like Progressive, they are based in Ohio but have become a large player in the US. You can easily find local agents, and most of them have quite a bit of experience in the business. Their rates can rapidly change, depending on what rate increases or decreases they propose to the State Department Of Insurance.

Like many companies (including Metlife), your deductible will reduce if you continue to drive accident-free. Customer satisfaction is usually very high (in the 93%-96% range) and you can insure your home, boat and many other items with them. Combining policies usually will result in a discount. Their Ohio rates are very attractive if you move there. Other affiliated property and casualty companies (wholly-owned subsidiaries) include Harleysville, Lone Star General Agency, Nationwide Assurance, Nationwide Lloyds, THI Holdings, Victoria Fire And Casualty, and Titan Insurance.

Although quite diversified, with their multiple property and casualty, and financial products, Nationwide has exited the health insurance business. In the past, their products competed well in the states they were licensed. However, don’t expect a return, especially since many private plans are guarantee-issue. However, an expansion of products that includes specialty, high-performance, and off-road vehicles is possible.

Don’t Forget Elephant Insurance! They Don’t!

Elephant is one of many new kids on the block. Yes, that really is name of the company, and they actually feature low-cost rates in many areas of the state. They specialize in efficiency and paperless transactions to cut costs. And with more than 2 million customers (most are outside the US), they know a little bit about managing expenses and charging low rates. Payments for policies are handled locally (Baltimore). Additional products offered include homeowners, condo, renters, condo, motorcycle, life, and umbrella.

Elephant is part of the much larger “Admiral Group,” which specializes in unique price structures. As the third-biggest insurer in England, they are starting to expand their operations in selected states. Right now, they don’t have much market share, but they are worthy of consideration in a few years. As their underwriting guidelines improve their loss ratios, better pricing will result. Based in Richmond, their expansion in the US has been slow, with other carriers gathering market share.

Many discounts are available, with several that won’t be offered by most other carriers. For instance, when you request and receive an online quote, a 15% discount will be awarded. Also, utilizing electronic signatures will reduce premiums. Paperless statements also reduce the rate by up to 3%. Emailed bills and correspondence can be easily saved. Also available is an option to pay for a full year, instead of six months or three months. Paperwork is reduced although the savings is not substantial.

Liberty Mutual‘s first Maryland office was opened in 1918. Wow! Yes, they have been around for a while. They now have eight offices located throughout the state and are generally a very reliable and serviceable company. They don’t often have the lowest rates, but you could do much worse with many other carriers. Both personal and business products are offered, including excess liability, general liability, inland marine, voluntary benefits, equipment breakdown coverage, and workman’s compensation insurance. Currently, they are the sixth-largest property and casualty carrier in the US.

They are also a very active company. In addition to sponsoring the US Soccer Federation and US Rowing teams, they also acquired Malaysian Insurance Company a few years ago, and increased marketing of their core products. As a Fortune 500 company with more than 50,000 employees, we expect Liberty Mutual to continue expanding in Maryland and many other Eastern states. Their television advertising also has been very effective, with many of the commercials filmed in front of the Statue Of Liberty.

Although there are several service and administrative offices located throughout the state, if face-to-face meetings are preferred, sales offices can be found in Towson (West Road), Frederick (Corporate Drive), Crofton (Defense Highway), and Rockville (King Farm Boulevard). Auto, home, and life products are available. Of course, online quotes directly from our website do not require a personal visit to an office.

Farmers is one of the largest car insurance companies in the nation even though they are owned by Zurich, which is based in Switzerland. Originally, you had to be a farmer to purchase their coverage, but thankfully that has changed. But they still do offer coverage on farms, tractors, and other similar items. Recreational, business, and life insurance products are available, although rates may not be as competitive as other specialty carriers. Coverage for your pets is also available!

Farmers’ rates are good in some areas and high in others. Yes, we realize, that doesn’t help too much, but for whatever reason, their prices are all over the board. If you like to buy your policy online, they own 21st Century Insurance, who has some of the best TV commercials in the industry. You won’t receive the personal broker treatment with 21st Century, but they are a reputable option. Specific cities where prices are the most competitive, include Bowie, College Park, Laurel, Hagerstown, Easton, and Chestertown.

And like many other carriers, they now offer their own credit card (Farmer’s Rewards Visa). Although you can earn points paying premiums on their products, don’t let it influence your decision whether to purchase one of their policies. NOTE: Rideshare coverage, although not yet available in Maryland, is offered by Farmers in other states. As new legislation is introduced and passed, this type of benefits will be offered by many companies. Currently, background checks are required, although fingerprint checks are not yet required.

Amica is a company you probably never heard of. As a direct provider, consumers have to contact them directly for quotes, rates, coverage details and applications. Home and life coverage is available along with a wide variety of riders. Their rates? Typically, they are competitive, although usually, they aren’t going to be among the best few offers available.

Based in Rhode Island, Amica is more than 100 years old. Their A++ rating from A.M.Best Company is the highest available. They have more than 40 offices throughout the country, although they are mostly administrative and claim locations. As the nation’s oldest mutual insurer, they typically rate very high for customer satisfaction in most states. Also, with more than $5 billion in assets, they are financially stable.

Their mobile app is one of the most user-friendly in the industry, and you can conduct most business transactions on your Android, iPhone, or most other mobile devices. Also, The Ward Group, who researches “best practices” of insurance companies, recognized Amica as one of its top-50 performers in the business. Three subsidiary companies are Amica Life Insurance, Amica General Agency, and Amica Property and Casualty Insurance Company.

Allstate (see Esurance in Online section)

American Family does not write business in Maryland. Will they ever enter the Marketplace? Maybe by 2025. Currently, American Family offers property and casualty coverage in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. Their home office is in Wisconsin.

During pandemics, including the recent COVID-19 virus, American Family offered a 10% relief credit towards the auto premium. New and existing customers were eligible for a six-month period. With driving substantially reduced during a pandemic, many carriers offer this type of credit.

With more than 90 years of experience, this carrier specializes in offering competitive rates when the auto and home policies are bundled. Annual revenue is more than $8 billion, which includes business from The General and Homesite. Farm coverage is also available. “KnowYourDrive” is a free downloadable app that provides an immediate 5% discount. The app monitors driving habits and can reduce your premium by as much s 20%.

Erie has been writing car insurance policies in Maryland for more than 6o years. Standard property and casualty products are offered along with business plans for small company owners. policies are offered by selected agents throughout the state, although online purchases are also available. Classic autos (at least 10 years old) and antique autos (at least 25 years old) can be covered at very favorable rates. Special interest autos can also be insured. “Auto Plus” (extra benefits)is available to passenger auto policies for a very low premium.

Competitive off-road coverage rates are also available for mopeds, golf carts, snowmobiles, trail bikes, all-terrain vehicles (ATVs), and off-road motorcycles. Physical damage and liability benefits are offered, with special provisions available for storage part of the year. Billing can be included in the primary vehicle policy.

Erie Agencies are located in Rockville, Reisterstown, Columbia, Mitchellville, Laurel, Lonaconing, Finksburg, Owings Mills, Oakland, Cumberland, Silver Spring, Timonium, Elkton, and Sykesville.

That’s a lot of companies and naturally, if we wanted to bore you, we would have added a few dozen more, including life heavyweight MetLife. Our free rate comparisons can be utilized by providing some basic information on top of the page.

News From The Past:

Four new laws are now effective for October. House Bill 0235 places a maximum limit of four licenses for distributors and manufactures of electric or non fossil-fuel burning vehicles. House Bill 0846 waives the required commercial skills test for some veterans and members of the military. House Bill 0430 changes the penalties for blood test results showing .08 of alcohol or higher. House Bill 0415 requires the MVA offer consumers the option of having a heart donor designation on their license.

Regulatory power of self-driving cars may become the responsibility of the State Police and the Motor Vehicle Administration. The MVA favors legislation that would transfer authority, and thus, make Maryland roads much safer. Avoiding accidents remains a major concern for persons that oppose the bill. Uber supports the legislation.

Low Cost Maryland Car Insurance Rates – Reduce Your Auto Premium

Cheap online auto insurance rates are available to Maryland drivers. If you think you’re paying too much to insure your vehicles, maybe you are! Buying coverage from a reputable website that does all of the shopping for you will save you time, aggravation, and a lot of money. A “low cost” Md policy doesn’t mean you have to forfeit valuable coverage either. Both immediate coverage and the lowest down-payments are available, along with 24/7 customer service assistance for claims, billing, and additional services.

Online quoting and bundling auto and home plans for large discounts is offered to all applicants for 2025 and 2026 policies. Carriers often provide rate reductions of 5%-20% when multiple policies are issued. Claim-free applicants can expect to earn additional discounts.

Competitive pricing and attractive offers can be found. But looking in the right place and understanding when the best time to shop are critical. This page allows you to quickly compare options, and perhaps better understand how and when you can save the most money. Property and casualty prices frequently change, so we ensure the rates you view are always accurate, the carrier’s best offers are shown, and we make it easy to learn about required coverage.

Below, we have provided many of our most helpful tips to help you instantly reduce premiums. Additional Senior discounts are also offered, along with several safety-related reductions. Low-mileage drivers can also expect to see opportunities to lower premiums.

Don’t pay to receive online rates. Quotes are always free from reputable Maryland websites. By the time you are ready to apply for coverage, you will be asked for specific billing details, such as debit or credit card information, or perhaps your home address if you are to be billed at home. But until you reach the final step in the process, keep your wallet or purse in your pocket and don’t obligate yourself to anything that isn’t informational. If you are asked to pay an enrollment fee, decline the request. No major carrier charges an enrollment fee for covering vehicles.

Your social security number? It’s not needed for policy comparisons. Neither is your checking account information. If you are ever requested to provide personal financial data before you view prices, immediately leave the website. If you notice numerous punctuation and spelling mistakes, along with content that doesn’t seem to make sense, the website may have been quickly created overseas, and you should immediately exit.

Clicking on “attachments” from untrustworthy websites is never recommended, along with viewing emails from unverifiable sources. Often disguised as consumer-friendly emails, spam and potential viruses are sent to consumers every day. The “free quote” links are often websites that are not related to auto or home insurance. Also, many property and casualty quoting sites are not US-based, and may have malware embedded into the content.

Shop until you drop? Well, perhaps, but don’t go that far. For example, when you provide basic information at the top of the page on our website, you’ll soon be able to compare costs of almost all of the top car insurance companies in the state. And that’s what you want. Prices change (and also state laws) so its helpful to compare offers from multiple carriers instead of just one. Other ancillary products can also be compared, including homeowner’s, motorcycle, boat, RV, mobile home, and investment property. Additional investment products, including mutual funds, IRAs, and annuities, may also be offered by affiliated companies.

We select the best options for your area. We also present your choices in a simple and understandable format. If you’re over age 55, often, special discounted rates may apply. Also, if you drive your vehicle less than 5,000 miles per year, you may also be eligible for special pricing. We customize quotes, so you are able to view the lowest possible prices in your zip code. Whether you have an antique automobile or a Ferrari, we will help. Also, prices on older vehicles can often be lowered because of recently-introduced discounts.

Every 36 months, your policy should be reviewed for newly-available discounts, coverage updates, and required state-mandated benefits. It’s possible that changes in your household may generate new discounts, and vehicle updates may also provide additional information that reduces the policy premium. When you change vehicles, newly-added safety discounts may apply. Older vehicles may not offer these types of savings.

If you request a quote from a captive agent that represents only one carrier, your chances of finding the cheapest rate are drastically lower, since they represent only one company. You owe it to yourself to take advantage of all of the available opportunities. There are no counties in the state where a single insurer offers the best options. Thus, properly shopping is a must. And since prices systematically change, comparing costs every 2-4 years is highly recommended. However, it is not advisable to change companies if you have any drivers in the household under the age of 18, or any household driver has had two at-fault accidents within the last two years.

Good Student Discounts Will Reduce Your Rates

Take a close look at the website (including ours). There should be specific reference information relevant to the state you live in. Naturally, if you live in Georgia, it doesn’t matter about a recent law change in Illinois, since it won’t impact your driving or what you pay for your coverage. If you live in Annapolis, you don’t need to see prices in Fresno! But you should be able to read an article about Baltimore! At least 75% of the content should pertain to Maryland or the nearby Washington DC area.

For example, a previous emissions law change in Baltimore, or a statewide decrease in rates from State Farm would certainly be information you would be interested in learning about. And if prices were increasing in Montgomery County, or decreasing in Frederick County, you would want to know about it. But if the state of Nevada raised their licensing fees, would you really need to know? Occasionally, information from neighboring states is monitored if it impacts local driving.

Although minimum liability limit changes are important to out-of-state residents, they do not impact MD drivers unless you will be moving to those states. Likewise, legislation that is passed in other states does not impact local drivers.

If the website you are visiting contains less than half of its content on Maryland car insurance issues, it’s time to move on. As you may have noticed, we concentrate on only one state. Typically, websites that write about numerous states, don’t adequately cover any of the states as well as other resources. If a new legislation was passed increasing minimum liability limits, you might never know until months later. We update our content every day! It’s hard work, but it benefits our customers, and provides time to adjust to changes that impact your policy.

Review the cost of coverage before buying or leasing your next vehicle. Sometimes you can’t avoid “sticker shock” from the price of a new car or truck. But you can avoid a major surprise of your auto insurance rate increasing substantially more than you expected. During the process of comparing vehicles that may be purchased, you can also easily review the cost of adding a specific vehicle to your policy. Often, a car that has a higher sticker price may be less expensive to cover than expected.

Driver-safety enhancements have been added to most new vehicles, which has helped to stabilize rates. Many standard features were not offered 10 years ago. Examples include rear camera mirror, hitch guidance, following distance indicator, front and rear park assist, side blind zone alert, lane change alert, and lane departure warning.

Although make and models can vary, several of the least expensive vehicles (that are commonly bought or leased) are Jeep Wrangler, Chevrolet Equinox, Honda Civic, Toyota Tacoma, Nissan Sentra, Subaru Outback, Nissan Rogue, Ford Escape, Honda CR-V, and Toyota Highlander. Newer models offer advanced safety features that can also offset the price increase of insuring a newer vehicle. Backup cameras, automatic braking, and lane-change warnings have become standard features in many base models. Self-driving vehicles are available on a limited basis, although within the next 10 years, availability should increase.

General Motors’ Chevrolet Cobalt

Watch for recalls of vehicles in Maryland that impact the vehicles that you own. For example, a few years ago, the personal injury lawsuit against General Motors regarding ignition switches on Saturns would have been helpful and pertinent information to know. Investigations by federal regulators on other cars (such as Cobalts and G5s) should always be monitored. And when a manufacturer makes an announcement that heavy objects should be taken off key chains, it’s critical to be aware of the request. If you need specific information regarding possible recalls on the vehicles you own, please contact us.

The Lemon Law also protects owners of new cars, small trucks, and multipurpose vehicles. The benefit applies to buyers of new vehicles and also persons who purchased the vehicle while the original warranty was still valid. The covered period is the earliest of 15,000 miles or 15 months. Generally, if the car or truck is not able to be driven for 30 days, because of a covered defect (or returned to dealer four times), a replacement vehicle may be required. All related expenses are typically paid by the car manufacturer.

The car insurance rate of the replacement vehicle should be identical to your previous vehicle, if it is the same year, make, and model. Choosing a different type or year of vehicle can impact the cost of coverage. Naturally, newer and/or more expensive vehicles can increase the premium. reducing the number of covered vehicles to a single vehicle may result in the loss of a multi-car discount. Identical vehicles that are leased or financed will not impact the rate unless minimum liability limits are required by the bank or lending institution.

Don’t change a coverage that saves you hundreds of dollars now but costs thousands of dollars later. The most common temptation when attempting to lower your premium, is to reduce your basic liability limits (bodily injury and property damage). While you will save money this year (and every year), what happens if you or a driver in your household has a serious at-fault accident? And then, you are sued for $150,000, but only have $100,000 (per person) of coverage. Your legal fees should be covered but you’ll be $50,000 poorer. While state-minimum liability limits provide enticing premium savings, it’s only occasionally recommended for high-risk drivers.

Also, when considering increasing your liability limits, a personal “umbrella” may be more cost-effective. The price of adding either $500,000 or $1 million of extra protection for all of your assets is a “bargain” considering the extra layer of protection you are receiving. If you own boats, RVs, motorcycles, or rental property, you are more susceptible to a lawsuit, even if it is frivolous. If you have teenage drivers in the household, the risk for a potential large claim is substantially higher. Once they reach age 21, the risk has greatly diminished. When youthful drivers reach age 25 or get married, additional premium reductions result.

We provide information for all discounts that will lower vehicle insurance rates. The most obvious change is raising your deductible. But it’s imperative that the savings warrant the extra risk. We can help you analyze your situation so you’re making an informed decision. For example, purchasing a $200 alarm system for a $25 per year discount is not necessarily cost-effective. Conversely, if you vehicle contains a “passive” alarm already, you will be eligible for a discount. Each year, newer vehicle models are equipped with devices (not all are standard) that help keep you and your passengers safer. Newer airbags are more efficient than older versions.

If you move from one area of the state to another, it’s likely that your rate will change. No company charges the same price for the entire state. Although the difference is not likely to be as much as 50%, it’s not uncommon for the rate to vary by as much as 10%-20%. Urban areas often have higher rates that rural areas. You can always view prices in a specific area before you move to that specific city or county. If a child is moving out of the household, we make it easy to review prices in their new area. Depending on the carrier, a multi-car or multi-policy discount may still be offered.

The worst time to shop for lower auto insurance prices is when you just received a moving violation or were involved in an accident. Why? Because, your current insurer has probably not factored that into your current rates. But a new company will have to include your recent activity in their rating. Therefore, it may be difficult to find find a policy that saves a substantial amount of money. Or if you do, the first incident could result in a massive price hike. The second incident could terminate your policy. A license suspension or DUI/DWI will delay the opportunity to get preferred rates for 3-5 years. It is possible, however, that changing companies can substantially reduce the rate, if the new carrier’s underwriting guidelines are favorable.

Avoid Speeding Tickets And Save Money

For that reason, it’s best to shop for another policy when your driving record is clean. One violation on your Motor Vehicle Administration report may allow you to find a better offer. If you have more than two tickets (not just incidents) showing, your offers will not be competitive unless you just received a large price increase from your existing company. If that occurs, it’s time to compare options. However, before changing carriers, it’s important to have an offer in writing.

What about a new company that shows up and offers you a chance to save hundreds of dollars per year without sacrificing any coverage. Assuming that the carrier was a new auto insurance company in Maryland and had no prior track record, it might be best to wait about 12-24 months and see what direction their prices end up. But it is a good idea to monitor their prices a few times per year through our website. Typically, we provide an annual comprehensive comparison that includes all carriers licensed to conduct business in the state.

Often, new companies, “buy business,” which means they are quoting premiums that are typically unprofitable to the insurer. But to attract additional needed customers, they need to do this, hoping that most of the policyholders will stay after rates possibly jump in a few years. Your best choice is to resist the temptation to switch to these companies until they have a few years under their belt. Otherwise, your premium may substantially increase after only one year covered with the new carrier. And if you have multiple at-fault accidents, it will be very difficult to find a lower rate for the next few years.

Our quote engine automatically takes this possibility into consideration. Therefore, a newer company with artificially-low rates, may not be as highly-recommended as another company with similar pricing, and a long history of satisfied customers in the state. Once a positive track record is developed, we more strongly consider the company. At least three years of stable premiums is preferred. Regardless how long the carriers have been conducting business, they must comply with insurance requirements for Maryland vehicles. All policies must be pre-approved for sale, and rate changes must also be submitted to the DOI, studied, and pre-approved.

Ask About New Policy Reductions. Every 12-24 months, most carriers either adjust or create new discounts for their customers. As vehicles continuously upgrade safety systems and features, many of these new options save the insurers money. And often, a portion of the savings is transferred to you via discounts through your policy. Existing discounts generally remain, although if full coverage (collision and comprehensive) is removed, it is possible that selected discounts will no longer be offered. Popular “lane change” and “rear camera” features may also help save money. Note: towing and labor, and substitute transportation (rental vehicle) coverage may become unavailable if collision and comprehensive coverage is removed.

Cheap online car insurance rates in Maryland are definitely available. We can help you find those low premiums you are looking for so you pay less and save money! We specialize in all cars, trucks and commercial vehicles. Within minutes you’ll get low prices, great service and money-saving discounts.

Affordable Car Insurance Rates In Baltimore – Compare Free Auto Quotes

Auto insurance prices in Baltimore can be very cheap, if you are comparing multiple companies. We research single and multi-car insurance rates in all of Maryland so you save money with our free online quotes. Whether you live in Baltimore, Columbia, Hagerstown or any other part of the state, we help you find the best offers from all of the major carriers. Customized proposals are always included in our quotes. Washington DC and Northern Virginia prices are also offered, along with inexpensive minimum liability limit options. The average cost of Baltimore coverage is about $175 per month, although rates greatly vary between carriers.

Of course, full coverage (collision and comprehensive) will always cost more than basic liability, regardless of the type of vehicle you drive. But there are many cost-effective deductible and liability combinations we show you. And although a poor MVR report will raise your premium, a clean driving record can easily save you thousands of dollars per year. Non at-fault accidents and comprehensive claims generally do not impact your rate. Multiple comprehensive claims (fire, theft, and vandalism) can raise your premium. The best car insurance for new drivers in Baltimore has slightly reduced from last year.

Bundle Your Coverage

Additional property and casualty products are also offered in the “Charm City,” and the bundling of these products can reduce the premium. Adding your home, personal property, condo, boat, TV, mobile home, or rental property coverage may reduce your automobile rate, by allowing a baseline liability coverage for the automobiles, and substantially higher limits for the umbrella.

A personal liability umbrella is recommended for persons that own boats or rental property. The standard face amount for umbrella contracts is $1 million or $2 million. Deductibles typically range from $500 to $5,000. Covered benefits include legal fees to defend you, liability claims, personal injury, property damage, and protection against claims of libel, slander, defamation, and false arrest.

Many larger cities have substantially higher premiums than smaller cities, Maryland, however, is an exception. Larger MD metropolitan areas don’t necessarily cost more than many nearby rural areas. But why? Is it because it’s the second largest seaport in the US? Or perhaps it receives hardly any snow compared to other big cities in the East. There are several explanations that we will discuss below.

NOTE: Nearby towns and cities that also feature competitive rates include Calverton, Rosedale, Dundalk, Catonsville, Overlea, Essex, Pikesdale, Ferndale, Elkridge, and Brooklyn Park. Several nearby Counties that feature lower-than average pricing include Howard, Frederick, Kent, Calvert, Montgomery, and Queen Anne’s. Several of the MD communities with the highest prices include Oxon Hill, Gwynn Oak, Suitland, Capitol Heights, Bladensburg, and Temple Hills.

Find Cheap baltimore Auto Insurance Rates

Good Student Discounts Can Save Hundreds Of Dollars

Rural Areas

There are still many rural areas that seem to have better driving habits, and of course, less accidents. Lighting is very good on most streets at night, and incidences of theft are much lower. Teenagers are more conscientious than other larger cities, which can have a dramatic impact on prices, especially if you have a teenager (or two) in your household.

Statistically, teenagers are involved in less incidents on the road than most other comparably-sized cities. This trend has helped keep prices for young drivers in the area somewhat competitive compared to other areas. However, major violations, including DWIs and DUIs, will always impact young driver rates the most.

Also, the amount of night driving is slightly lower than many other places. Certainly, this helps reduce the volume of fender-benders. Earlier curfews also contribute to a lower incidence of accidents. In cities where curfews are at least an hour earlier than the national average, the number of thefts and accidents is 15% lower. The frequency of auto accidents per capita is definitely lower.

Although there is plenty of nightlife in the city, most residents return home at reasonable hours. The city’s vehicle theft ratio is about 9 per each 1,000 residents. The number seems low, but it’s approximately 400% of the national ratio. Increased police surveillance would likely reduce the numbers of vehicle thefts. Future legislation may increase the budget needed to hire more law enforcement to protect city residents and local business owners.

YouthWorks

Keeping kids “off the streets” helps insurance rates and helps local communities. Recently, young adults and youths have been offered summer-employment opportunities by YouthWorks. Anyone aged 14-21 is eligible, and about 900 different locations offer a wide variety of work options in many industries. A summer program (virtual during pandemics) is usually offered from late June to early August. The Mayor’s Office of Employment Development runs the program.

Several of the local companies and organizations that have helped fund the project include University of Maryland Medical Center, United Way of Central Maryland, Comcast, and Sagamore Development Company.

NOTE: The following zip codes are used when calculating the average Baltimore car insurance rates: 21211, 21213, 21226, 21215, 21230, 21214, 21251, 21217, 21263, 21216, 21287, 21218, 21201, 21202, 21205, 21223, 21225, 21231, 21203, 21233, 21264, 21265, 21270, 21273, 21274, 21275, 21278, 21279, 21280, 21281, 21283, 21288, 21290, 21297, and 21298. Also, Raspeburg (21206), Gwynne Oak (21207), Pikeville (21208), Mt. Washington (21209), Roland Park (21210), Govans (21212), Clifton (21213), Arlington (21215), and Druid (21217) were included.

Baltimore Has The Worst Drivers? Is It True?

Partially true. There are several articles that rank our drivers among the worst in the US. An older CBS article ranks DC drivers 4th and Baltimore drivers 9th, and points out that running red lights and not putting on a turn signal are quite common in the area. Taxi-cabs are cited for having some of the worst habits, although you’ll find this erratic behavior in almost every other big city. New York cabbies may be the worst offender. And Washington DC cabbies aren’t far behind!

Traffic congestion can also be a concern, since the city ranks in the top-40 for the amount of congestion. A recent urban mobility report indicated that congestion is at all-time high levels. Typically, city drivers spend about 60 hours each year stuck in traffic, and uses about 22 gallons of excess fuel. The total vehicle cost is between $750 and $1,000. January and February are typically the months with the most congestion. Thursdays from 5 p.m. to 6 p.m. are the most congested times.

Adverse weather also contributes to the number of accidents. Winter months often feature unpredictable weather and road conditions. Traffic moves slower, but the unpredictable highway surfaces cause a significant rise in accidents and claims. June, July, and September are the rainiest months in the area. July is the hottest month of the summer, with many families driving into and out of the state for vacations.

Ironically, cab companies are teaming with local unions in the area to attempt to stop ride-sharing companies from cutting into their market share. Companies like Uber, Lyft and SideCar are able to operate without meeting some of the requirements that others in the same industry must adhere to. However, the State Regulating Commission recently ruled that these new companies must now apply for a permit.

Uber’s popularity continues across the US because of their simple App and low prices. Rides to and from Baltimore/Washington International Thurgood Marshall Airport (BWI) are very inexpensive. The average cost of a trip from Baltimore to Rockville is about $74 with an average travel time of 51 minutes. The average cost of a trip from Baltimore to Dulles International Airport is about $108 with an average travel time of 80 minutes. The average cost of a trip from Baltimore to Hanover is about $28 with an average travel time of 33 minutes. The average cost of a trip from Baltimore to Baltimore-Washington International Airport is about $21 with an average travel time of 31 minutes.

Find Cheap Car Insurance Rates In Baltimore

Just getting off-topic for a moment, I grew up in Harrisburg (about 90 minutes to the North) and we regularly made the trek down to Maryland for shopping and buying bagels. Regardless of the season or weather, it was a family tradition. Although old Memorial Stadium is long gone, the sights of Camden Yards, the National Aquarium and Harborplace still make it almost a second home to me.

And of course, the ex-Super Bowl Champion Ravens can not be forgotten, even though it’s been nine years since the big win. The parade, celebration, and accolades were memories that all residents will remember. With Lamar Jackson, the chances of additional Super Bowls are high, if they can provide more talent.

Sample Auto Insurance Rates In Baltimore County (Monthly)

Assumptions: 30-year-old single female who owns her home. She drives a 2016 Nissan Altima approximately 15-20 miles each way to work, and approximately 15,000 miles per year. There are no moving violations or at-fault accidents within the last 36 months, and her credit score is excellent. We also assume her MD homeowner’s coverage is with the same carrier. Liability limits (including UM) are 100,000/$300,000/$100,000 with $2,500 of PIP. Collision and comprehensive deductibles are $500 and $250.

$67 – Progressive Select

$73 – USAA

$92 – Horace Mann

$107 – USAA Casualty

$108 – Erie

$119 – Mutual Benefit

$122 – American National

$128 – Geico

$129 – State Farm

$136 – Encompass

$136 – Penn National

$137 – Safe Auto

$156 – CSAA

$170 – Travelers

$206 – Unitrin

Assumptions: 35-year-old married male and 32-year old married female who own their home. He drives a 2010 Dodge Dakota Crew Cab Pickup approximately 10 miles each way to work, and approximately 35,000 miles per year. She drives a 2017 Nissan Rogue SL approximately 10 miles each way to work, and approximately 15,000 miles per year. There are no moving violations or at-fault accidents within the last 36 months, and the credit score is excellent. We also assume their homeowner’s coverage is with the same carrier. Liability limits (including UM) are 250,000/$500,000/$100,000 with $2,500 of PIP. Collision and comprehensive deductibles are $500 and $250.

$83 – Progressive Select

$114 – Safe Auto

$126 – Horace Mann

$156 – CSAA

$157 – Progressive Specialty

$165 – American National

$167 – USAA

$174 – Erie

$196 – State Farm

$198 – Garrison Property And Casualty

$203 – Old Dominion

$234 – Nationwide

$238 – Root Insurance

$254 – Cincinnati Insurance

$255 – AIG

Assumptions: 50-year-old single male who owns his home. He drives a 2016 Ford F-150 XLT 4×4 approximately 30 miles each way to work, and approximately 25,000 miles per year. There are no moving violations or at-fault accidents within the last 36 months, and the credit score is excellent. We also assume their homeowner’s coverage is with the same carrier. Liability limits (including UM) are 100,000/$300,000/$100,000 with $2,500 of PIP. Collision and comprehensive deductibles are $500 and $250.

$69 – Progressive Select

$87 – Horace Mann

$92 – American National

$96 – Erie

$101 – Root Insurance

$108 – USAA

$114 – Penn National

$115 – USAA Casualty

$118 – Geico Casualty

$128 – IDS Property Casualty

$131 – CSAA General

$132 – Mutual Benefit

Progressive Is One Of Many Companies With Attractive Rates

In the example above, Progressive’s prices were the most competitive of the handful of carriers we checked. In fairness to all of the other companies, if we changed our sample male age to 55, added a spouse and an additional vehicle, and perhaps a moving violation, the results would be different. Actually, very different. Many carriers offer their most competitive pricing to persons age 55 (and over) that have at least 35 years of driving experience.

Or, if we added a few teen drivers, each with an accident or ticket, that scenario may show another carrier with much better prices. Since your personal situation can be very fluid with the changing of vehicles, drivers and residences, comparing multiple companies every few years is recommended. If you move more than 30 miles away from your previous residence, comparing new rates should also become a priority. Also, when one or more youthful drivers are removed from the policy (marriage, move, etc…) it’s always wise to re-evaluate how competitive your current rates are.

Snapshot From Progressive

Progressive also offers their “Snapshot” program, which is an electronic device attached to your vehicle that monitors how you drive. It can save you money, depending upon how often and far you drive. Although the largest reductions will generally be retirees and persons that don’t drive large distances, workers that carpool may see some reductions as well. If you are a safe driver, and stay within posted speed limits, you may also be able to lower your premium.

It takes about 10 days to receive the device, and easily plugs into your vehicle’s diagnostic port, which is located under the dashboard on the driver’s side. The device begins to blink one it is installed correctly. But don’t lose the device, since there is a $50 replacement fee.

You Can Save Money!

There are specific insurers that simply offer great rates in Baltimore if you are under age 40. Others may include an extra discount when you reach age 50 that no other company offers. Or, it may be a situation where a combination of age and the car you drive happens to exactly fit a specific profile that a carrier is looking for. Thus, they charge 15% less than everyone else.

Shop Around

A key point to understand is that when we stress the importance of “shopping around,” it’s because it ultimately will save you money. If there was a simple and accurate way to identify the cheapest prices, other than requesting a quote from us, we would certainly let you know. Just about every day, either a premium, underwriting guideline, policy coverage or billing mode is changed. But when these changes occur, we are notified and immediately adjust our quote engine.

Although we review all available carriers, several of the insurers that have attractive rates include Geico, Progressive, AAA, Erie, Travelers, Safeco, MetLife, Liberty National, Allstate, AIG, Esurance, and USAA. Small and large businesses often utilize commercial carriers, and policies often provide up to $1 million in liability protection. Carriers that often have the highest rates in the area include Hallmark, Victoria, Donegal, Dairyland, Foremost, Harleysville, and Titan.

It’s much easier for us to keep track of all of the changes than the average consumer. Thus, when we “shop” for you, you’re easily saving hours of your important time by handling a task that you undoubtedly don’t enjoy. And we don’t just monitor and check for a few discounts. We review all changes and discuss which ones will specifically apply to you. We also monitor the MD Government website to keep abreast of any changes in legislation that will aid consumers. No major legislation was passed in 2022 that would impact vehicle rates.

The consensus seems to be that car insurance rates in Baltimore are attractive. While they may not be the cheapest price in the state, they are priced very competitively when you match them side by side with other large cities. It’s not unusual to find bigger metropolitan areas within 500 miles have significantly higher pricing and more aggressive surcharge and cancellation procedures. For example, Washington, D.C. and Richmond (Virginia) rates are much higher.

Pay Your Traffic Citations Early And Online

Nobody likes to get a moving violation. It can impact the cost you pay for your policy, and the resulting fine and possible court costs can exceed hundreds of dollars. But forgetting or neglecting to pay the ticket can result in many additional expenses. The District Court Of Maryland makes it easy to pay the ticket online. By pleading guilty (you may also plead innocent), the process can be completed in less than five minutes.

Complete Maryland traffic citation information is available, including topics about requesting a trial date, appeals, witnesses, expungement, requesting waiver hearing, lost citations, and address changes. Before applying for new coverage with a different carrier, a copy of your driving record should always be reviewed.

Zipcar

What is Zipcar? Available in Baltimore and many other major cities, it’s a service that allows you to rent vehicles by the hour, day, or longer. Typically, the price is cheap, and there are regulations and guidelines that protect consumers. Many City-owned garages house the vehicles, including minivans and transit cargo vans. Occasional driving requires no monthly commitment. For $7 per month, you can pay per hour or per day. For $50 per month, five hours of pre-paid driving is included. Each plan provides insurance coverage, gas, and 180 free miles each day. A $25 one-time application fee is required for all plans.

The Parking Authority reports that 85% of Zipcar drivers don’t own their own car or truck, and the vast majority of users can easily find a vehicle to use within walking distance of their home or work. More than 200 vehicles are available in areas such as Charles Village, Mt. Vernon, Station North, and the Central Business District. Residents of the area now have an affordable transportation option, and city workers receive a discount during the work week.

Maryland homeowner’s insurance rates are very competitive in Baltimore. When bundling policies with the same carrier that insures the vehicles, total discounts can exceed 15%, resulting in hundreds of dollars of savings. Companies with the most attractive rates include Travelers, Erie, USAA, Chubb, State Farm, Allstate, and Nationwide. Many Senior discounts are available. Bundling the policy with other property and casualty discounts may also lower the premium.

Impact Of Previous Riots

Although the riots six yeas ago caused a temporary spike in claims, and cost the city more than $20 million, there probably will be no long-term impact on auto insurance rates. However, if you park your vehicle on the street in the area where most of the riots took place, there may be a slight increase in thefts, vandalism, and glass-breakage. The comprehensive portion of the auto policy can be impacted by specific external conditions.

Any long-term impact on prices will be known within the next 36 months. Other surrounding counties that could be impacted, include Carroll, Harford, Howard, and Anne Arundel. The cities most likely to be affected include Essex, Towson, Parkville, Rosedale, Catonsville, and Lochearn.

Baltimore Homeowner’s Insurance Rates

Shown below are annual prices for zip code 21218. 15-year-old frame home insured for $153,000. $1,000 deductible with $300,000 liability, multi-policy discount, and $20,000 water/sewer backup coverage.

$574 – Esurance

$596 – NGM Insurance

$610 – Donegal Mutual

$621 – Teachers Insurance

$661 – Horace Mann

$664 – Pharmacists Mutual

$670 – Brethren Mutual

$679 – Cumberland Mutual

$722 – Erie

$723 – Everett Cash Mutual

$733 – Frederick Mutual

$783 – CSAA General

$786 – Allstate

$791 – Metropolitan Property And Casualty

$792 – AIG

$837 – Farmers

$949 – Safeco

$1,259 – Nationwide

$1,412 – USAA

Local Baltimore Car Insurance Agencies

M&T Agency – 25 S. Charles St. 21201

Kirby Agency – 14 W. Saratoga St. Suite 100 21201

Frederick Group – 326 St. Paul St. Suite 400a 21202

Ugele Agency – 408 E. 25th St. 21218

Welsch Group – 3044 Hudson St. 21224

Morgan Smith Agency – 847 W. 36th St. 21211

Pinning Agency – 3215 Erdman Ave. 21213

Goad Agency – 3229 Erdman Ave. 21213

Bedford Group – 1014 W. 36th St. 21211

Rodgers Agency 6800 Holabird Ave. Suite A 21222

Morris Services – 5010 Ritchie Highway 21225

Cramer And Schmidbauer Associates – 5200 Ritchie Highway 21225

Bayview Agency – 7508 Eastern Ave. 21224

L&K Agency – 5900 York Rd. Suite 200 21212

McJilton Agency – 9 N. Dundalk Ave. 21222

TM Williams Services – 5202 Baltimore National Pike Suite 106 21229

C&E Services – 7324 Holabird Ave. 21222

Bell Agency – 7900 Eastern Ave. 21224

Senate Agency – 5417 Reiterstown Rd. 21215

Leitner Group – 2100 Merritt Ave. 21222

Madison Financial – 5401 Belair Rd. 21206

Custom Agency – 4410 Alan Dr. Apt A. 21229

Hoffberger Agency – 5700 Smith Ave. 21209

Concrete Agency – 6405 Belair Ave. 21206

Platte Agency – 633r Frederick Rd. 21228

Great Oak Group – 1340 Smith Ave. Suite 200 21209

Frank Dippel Agency – 6600 York Rd. 21212

Schoenfeld Associates 6225 Smith Ave. Suite B150 21209

Farrell Sullivan Insurance – 6500 N. Charles St. 21212

Ritchey Associates – 6600 Belair Rd. Suite 2c 21206

Allied Agency – 7000 Security Blvd. Suite 111 21244

Rolling Services – 2324 N. Rolling Rd. Suite 100 21244

Additional Information:

The “Baltimore Sun” reported that local drivers are again ranked 193rd in the US when comparing large cities. But there is one little problem. 194 cities participated in the survey! The lone city with “worse” drivers is Washington D.C. The 21218 zip code appears to have been hit especially hard as we notice auto insurance prices in that area is the highest of any zip code in Maryland.

The elimination of PIP (Personal Injury Protection) would certainly reduce prices. Of course, medical bills and lost wages could not be claimed, which could potentially impact and harm many persons involved in future litigation. PIP currently covers many medical expenses, including surgery expenses, hospitalization expenses, and rehabilitation,therapy expenses. Some disability and death expenses may also be covered.

Maryland made the Top-10 list for “states with the most stolen vehicles.” In Baltimore, about 2,000 vehicles were stolen last year, with about 1/5th having keys left inside in plain view. Also, many cars were left outside with engines running, as owners assumed it was safe.

Highest number of vehicles stolen in Baltimore

Baltimore Neighborhoods With Most Stolen Cars

The summer months produce the highest incidence of thefts (especially July and August), while February and April are the months with the lowest number of reported thefts. Shown above, is a chart illustrating the areas of the city with the highest claims. Frankford is ranked first in the study completed by “the Baltimore Sun.”

Most of the damage from the Spring riots are covered by insurance. However, there may be exceptions, if your policy excludes damage from “rebellion or uprising.” This exclusion has a greater likelihood of being used on business liability policies, as opposed to personal property and casualty policies.

Maryland Insurance Safety Programs, Services And Driver Improvement

Keeping Maryland residents safe is the priority of the Motor Vehicle Administration, Highway Safety Office, and the State Government. Through many programs and specific legislation, Old Line State drivers and pedestrians are protected quite well. Discussed below are many of the most pertinent resources available to consumers. Safety programs and tools from the National Highway Traffic Safety Administration help protect consumers and reduce car insurance rates.

Driver Improvement Program (DIP)

DIP is an instructional and interactive program designed to improve and educate drivers. Typically, residents are assigned to the program (4-8 hours) for one of the following reasons: Total of 5-7 points on driving record, probation when charged with a moving violation and having provisional license, convicted or granted probation for a moving violation while holding a license (provisional), District Court Judge referral, or Administrative Law Judge referral.

Correspondence via mail will be sent if a judge rules that completing the program is required. The letter is typically sent 4-6 weeks after the official hearing date. If a new license is ultimately required, the cost is generally between $30 and $75. A photo ID card can also be purchased for $20-$24.

The correspondence will provide details regarding the driver’s obligation and a list of nearby driving schools. Upon receipt, the class must be selected and completed by the due date. Approximately 4-8 hours should be allotted. A certificate of completion and compliance will be provided. If you miss a scheduled class, documentation for a valid reason will be accepted, and a new class will be scheduled. The MVA office is located on Ritchie Highway in Glen Burnie.

Don’t Miss Your Classes!

Missed classes without a valid exception can result in a suspension or revocation of a driver’s license. If you are located out-of-state (temporary or permanent), the National Safety Council must be notified to determine if a local program is offered. Verification of the out-of-state completion must be provided. A change of address may need to be processed if the MVA has not been notified. If a referral letter is lot, a duplicate can be ordered.

Following the assignment to the DIP Program, a provider should be contacted to discuss class times and availability, along with the costs of participation. Lost letters can be replaced although driving privileges can be terminated if class is missed. The National Safety Council should be contacted if you have moved to a different state. A phone call is the initial recommended type of communication.

DIP providers include Method Driving School, Introspect, ABC Linnel Driver Training Programs, Widmyer Driving School, AB Discount Driving School, Alpha One, Elite Driving School, Emerald Driving Academy. Greg’s Driving School, Integrity Driving School, Leap Driving Academy, Majestic Driving Academy, Mt. Washington Driving School, National Driving School, Premier Driving School, Quick Tag And Title, SAHR Driving School, Street Smarts Of MD, and Uncle Sam Driving School. Additional providers are available for Three Hour Alcohol And Drug, Driver Education, and Motorcycle Safety.

MVA fees may be imposed, depending upon the situation. Common fees include driver licensing, MVA records, medical advisory board, motorcycle safety program, dealer licensing and consumer service, driver education, driver improvement, insurance compliance, vehicle emissions, vehicle registration, and registration plates fee. Farm trailers and farm semi-trailers can also be registered.

Vehicle Occupant Protection

For more than 20 years, Maryland law requires wearing a seat belt while driving. Utilization of seat belts and child restraint systems has saved thousands of lives, and drastically reduced the number of serious injuries. Collisions with motor vehicles are the leading cause of child deaths in the US, so “buckling up” is critical. Fortunately, the number of vehicle crashes and seriously-injured vehicle occupants not wearing seat belts, is declining. Areas with the highest percentage of incidences are the city of Baltimore, and the following counties: Anne, Arundel, Carroll, Harford, and Howard.

Statewide usage of seat belts is approximately 91%. The low was 89% in 2004, while the highest percentage was 94% in 2010 and 2011. The state law requires that all occupants in the front and back seats, must be buckled up. Drivers can not operate the vehicle until all passengers are fastened by a seat belt or children’s safety seat. Violators can be fined $50. If passengers not wearing a seat belt are over 16, the driver can be fined as much as $83. If a driver and child are both unbuckled, two tickets will be issued to the driver. There is no limit to the number of violations that can occur.

Hospitalization expenses are approximately 50% higher for drivers and passengers that are not wearing seat belts or restraints. Often, federal and state governments pay a large portion of these expenses. A frequent cause of vehicle injuries is the misuse of booster and car seats for children (see below). Unrestrained children can also cause harm to other occupants of the vehicle. The National Travel Safety Institute provides additional tips.

Note: If the driver is not buckled, there is a 70%-80% chance that any children in the vehicle also are unbuckled. Also, with the written permission of a licensed physician (for medical reasons), a driver does not have to fasten their seat belt. Children that are unrestrained, and involved in a 25 miles-per-hour collision, are likely to be seriously injured. Incorrect installation, using unapproved or expired seats, and using broken seats, are quite common. Maryland Child Passenger Safety Laws are very clear regarding securing children in a safety seat.

Helpful Hints:

You are not safer in a pickup truck than a passenger car.

Lap belts should be fastened approximately 2-4 inches below the waist.

Using the lap or should belt the wrong way can result in serious injuries.

Placing the belt over the pelvis is recommended.

Once a child reaches the maximum rear-facing weight limit, the car seat must be turned around (facing front).

Although sometimes inconvenient, seat belts should also be used in back seats.

Aggressive Driving

Aggressive driving can occur in many situations. Common examples are speeding, improper passing, weaving in and out of lanes, abruptly slamming brakes, tailgating, improper passing, ignoring traffic lights and stop signs, and forcing a vehicle off the road. Crash reports involving this type of behavior typically include drivers that fail to yield the right of way, exceed the speed limit, disregard road signs or markings, drive the wrong way, consume alcohol in excess of legal limits, merging in front of a passed vehicle, improper pass, passing on the right, or follow too closely.

Although highway and roadway fatalities continue to reduce, vehicle deaths continue to be the leading cause of deaths in the US. When aggressive driving is present in an accident, the chance of death increases. Locally, most of the fatalities occurred in the Washington and Baltimore areas. Baltimore and Prince George Counties have the highest incidences of death, accounting for more than 30% of all fatal crashes from aggressive operators.

The months with the most fatalities are October, November, and December. Friday, Saturday, and Sunday are the most dangerous driving days. Thus, driving on weekends in the winter months can be very dangerous!

Males are responsible for more than 60% of the crashes and suffer four times as many fatalities. Maryland has an aggressive driving law that charges $370 for each violation and adds five points to the license. To qualify, three violations from this list below must be present: failure to yield, passing on right, passing and overtaking, speeding, following too closely, operating on loaned roadway, and traffic lights.

To help reduce this type of behavior, the ADAPT (Aggressive Drivers Are Public Threats) program was developed four years ago. A combination of enforcement and media exposure helps drivers recognize potential issues, and eliminate them before a problem develops. An education program, aided by public service announcements, radio and TV advertising, social media, and online streaming, helps to increase consumer awareness. The ADAPT campaign resulted in 115,000 citations for aggressive behavior by drivers.

To help avoid aggressive drivers, avoid eye contact and remain relaxed, shift lanes if they are behind you, don’t escalate the encounter, don’t increase your speed when they are behind you, don’t block the passing lane, and avoid name-calling and obscene gestures. If you continued to be followed, if possible, drive to the closest police station. And of course, seat belts should always be utilized for the driver and all passengers.

Impaired Driving

Drugs, alcohol, and medications are the leading causes of impaired driving. The consequences can be fatal to the driver, passengers, and other vehicles on the road. Although ignition interlock systems and road checkpoints help, the number of impacted drivers, passengers, and pedestrians is still too high.

Noah’s Law (Drunk Driving Reduction Act of 2016) has helped keep drivers safer, by bolstering the Ignition Interlock Program. This legislation requires an interlock device for any person that has been convicted of a DUI, DWI (if transporting a passenger under age 16), or a death caused by a DWI or DUI. The device must remain attached to the vehicle for a minimum of 6 months and a maximum of 3 years, depending upon the number of incidents. If the vehicle does not have an installed ignition interlock device, it can not be driven.

Any person that declines to take a chemical test and receives a DWI, must use an interlocking device for 12 months. In some instances, an interlock ignition program may be used in lieu of a suspension. Also, if a blood alcohol concentration of 0.08 is found, participation in the program may be selected instead of disputing the findings. Additionally, high-risk car insurance rates in Maryland are substantially more expensive than preferred rates. Naturally, it’s a situation you always want to avoid.

Any person that is caught selling fake identification cards may be subject to two years incarceration and a $2,000 fine for each incident. Homeland and federal laws may also add additional fines and additional incarceration. Persons under age 21 that possess a fake ID can be fined $500 and face two months in prison. Twelve points will also be added to your driving record.

The highest number of driver-impaired crashes occur during the late-evening hours and on weekends. Most crashes happen on Fridays, Saturdays, and early Sunday. After 3 a.m., there is a significant reduction in incidents. Two programs designed to reduce the number of accidents are the Checkpoint Strikeforce, and the State Police Impaired Driving Reduction Effort. The 20th annual Checkpoint Strikeforce public education campaign occurred last year with sobriety checkpoints and additional patrolling by police officers. More than 100 law enforcement agencies participate in the program.

SPIDRE

The State Police Impaired Driving Reduction Effort (SPIDRE) was created in 2013, and targets specific areas with high incidences of alcohol-related crashes. The DOT Highway Safety Office funds the program. Five specialty-trained state troopers concentrate on these specific areas to reduce the number of injuries and death. The most recent annual statistics include more than 3,500 DUI arrests, 25 DUI drug arrests, 11,000 traffic stops,and 25,000 citations.

The program is responsible for an increase in the percentage of convictions in DUI cases. Bar patron surveys were effectively used to conduct research and evaluate data.

Distracted Driving

Phone use and texting cause drives to become distracted while driving, and not pay full attention to the road and surroundings. Pedestrians, other drivers, and passengers are at risk. The most common distractions include watching a video, eating, drinking, combing hair, looking in purse or wallet, talking to other occupants in the vehicle, and changing radio stations. The four types of distractions are cognitive, manual, visual, and auditory.

Cognitive – Taking your mind off the drive. Common examples are daydreaming, speaking to another passenger, and talking to someone on a hands-free device. When not concentrating on the road, there is a much greater chance of an accident occurring.

Manual – Taking your hands off the steering wheel. Drinking, eating, and smoking are common examples. Having only one hand on the wheel is also considered a manual distraction.

Visual – Taking your eyes off the road. A split second can easily result in substantial damage.

Auditory – Affects our ability to hear. Ring tones, loud conversations, screaming kids, and text notifications will impact our hearing.

Fortunately, the number of distracted driver incidents in the state has been declining. Deaths are also declining although almost have of all Maryland crashes were directly or indirectly caused by distracted drivers. Since 80% of these types of accidents result in an injury, it’s critical to continue to reduce the number of incidents. Most of the crashes occurred in the Washington/Baltimore areas.

Pedestrian Safety

Pedestrian-involved accidents and injuries have increased for pedestrians, since 2013. Typically, more than 2,000 pedestrian crashes occur each year, with more than 80% resulting in injuries or fatalities. 20% of persons that are killed in vehicle crashes, are pedestrians. Most of the crashes take place in the Washington and Baltimore metropolitan areas. Prince George County typically has very high fatality rates. Other counties with high rates include Anne Arundel, Carroll, Harford, and Howard.

Friday is the most dangerous day for pedestrians, especially between 3 p.m. and 10 p.m. Young drivers are responsible for the most number of pedestrian accidents, while older drivers are involved with a high number of fatalities. Males are typically the victims in most accidents. About 70% of pedestrian fatalities are male.

Maryland pedestrian safety laws and penalties include:

Passing a vehicle stopped for a pedestrian ($80-$500).

Not stopping for a pedestrian in crosswalk ($80-$500).

Failure to obey pedestrian control signal ($40-$500).

Pedestrian illegally on roadway ($40-$500).

Failure to yield right-of-way to vehicle ($40-$500).

Bicycle Safety

Current Traffic Laws for Bicyclists:

Persons riding bikes should stay as close as possible to the right side of the road. Some exceptions include avoiding a pedestrian, making a left turn, driving on a one-way street, and operating in a narrow lane.

A passenger can not ride on a bicycle, unless it is designed and properly equipped for an extra rider.

Bicycles are not permitted on roads or highways when the speed limit is 50 mph (or more).

You can not touch or hold onto another vehicle.

A rider can not operate a bicycle while wearing earplugs or a headset that covers both ears.

A bicycle can not be fastened to a fire hydrant, pole, or meter.

Cyclists must obey traffic laws and are highly-encouraged to wear a helmet. Drivers of vehicles must also be cautious and courteous. Typically, when a crash occurs between a vehicle and someone on a bike, the cyclist is injured. Bicycle crashes have been increasing for the last five years, and more than 80% of those crashes resulted in an injury or death. Most crashes occurred in the Washington DC and Baltimore areas. The months with the highest number of accidents were June, July, August, and September.

School Bus Zones

All sides of the bus are at risk when children are waiting to be picked up. Children should stand at least 10 feet away from the bus and never stand or walk behind it. Passing a bus or another vehicle is one of the leading causes of fatalities in a school zone. The most common reasons children are hit include not staying within the bus driver’s sight, dropping an item and picking it up, attempting to get off the bus too quick, and making the assumption that motorists will see them.

Tips for drivers:

Be alert for unexpected events.

Understand what flashing yellow lights and flashing red lights mean.

Watch for children playing in unexpected locations, including bus stops.

When leaving home, watch for children riding or walking to school.

Child Passenger Safety

Children under eight-years-old are required to be placed in a child-restraint. An exception is made if the child is at least 4’9″. Children 8-16 must be appropriately fastened in a seatbelt, if not placed in a child restraint. The driver must ensure that all passengers are buckled up before operating the vehicle. Note: Children are permitted to be placed in the front seat with the proper protection. Rules apply to all vehicles, regardless if they are in-state or otherwise.

Kids In Safety Seats (KISS) is funded by the Maryland Highway Safety Office. Several services offered by the program include reduced costs and special needs assistance for car seats, virtual and in-person car seat inspections, and email, phone, and website free safety information. Selection of the best car seat, and availability of training and presentations are available through their website.

Driver Wellness And Safety Programs

3-Hour Alcohol And Drug Education – The program is mandatory if you only have a military license or have a non-US license. A certificate is provided when the program is successfully completed. A list of companies offering the program is available along with their fee schedule.

Ignition Interlock – Persons that have been arrested for impaired driving are offered an option to avoid a suspended license. Driving is permitted, but only under careful supervision. Cameras are included on all new devices. If the alcohol concentration reading is .15 or higher, a one-year program enrollment is required. A reading between .08 and .15 requires a 180-day enrollment. Written proof of the installation is required, and the participant will be notified of the required length of time that must be completed.

Modified Vision Program – A restricted license is provided to drivers with correct vision less than 20/70, but not worse than 20/100. Continuous field vision is also required. A daylight restriction may possible be removed after 12 months. The Driver Wellness And Safety Division processes the paperwork. New and experienced drivers have different requirements. Applicants that have never had a valid driver’s license must complete clinical and active driving requirements along with 80 hours of supervised and customized driving.

Reinstatement Of A Revoked Driver’s License – After 12 accumulated points, it is possible to reinstate your license. One revocation results in only a 6-month waiting period. Two, three, and four or more revocations results in 12-month, 18-month, and 24-month waiting periods respectively. If a reinstatement request is denied, an appeal may be submitted.

Motorcycle Safety Program

Motorcycle rider training courses are offered to all operators by the MVA. Skills and strategies are taught and discussed, which leads to a decreased chance of injury or fatality. About 9 out of 10 accidents occur to riders with limited or no training. Although adult training is not required, persons under age 18 must complete a Basic Rider or Alternative Basic course. Many training facilities are available.

Although the number of crashes has decreased in the last five years, the number of fatalities has slightly increased. However most crashes result in an injury or death. And as expected, higher-populated areas have the most crashes and injuries. More than 50% of reported crashes were in the Baltimore area, with warmer months the most dangerous. Operators between the ages of 25-49 generally account for about half of all crashes, with male drivers accounting for about 90% of those crashes.

Helmets are required by the Department of Transportation, subject to specific standards. Helmet manufactures are required to certify compliance with acceptable standards. A windscreen or approved eye-protective device also must be worn. Nineteen training centers are located throughout the state including Cumberland (Willowbrook Road), Arnold (College Parkway), Westminster (Washington Road), Frederick (Opossumtown Pike), Hagerstown (Robinwood Drive), and Baltimore (Pulaski Highway).

A strategic highway safety program (SHSP) helps reduce the number of highway deaths, and serious injuries on all roads. The number of serious deaths and injuries has gradually reduced over the last 10 years, as implemented changes continue to be effective. The TZD (Towards Zero Deaths) campaign is supported by the MD Chiefs of Police Association, Association of County Health Officers, and several additional organizations. Reducing fatalities by up to 50% by 2030 is the ultimate goal.

Motor scooters and mopeds do not require a class M motorcycle license. However, operators must have a valid driver’s license. An identification decal must be visibly displayed, and approved eye protection and a compliant motorcycle helmet must be worn. The right side of the road must be use unless making a left turn, driving on a one-way street, avoiding road hazards or pedestrians, or passing a slow-moving vehicle. Headsets that cover both ears are typically not allowed. The maximum operating speed is 30 miles per hour.

Older Drivers

Advanced aging can impact your reaction, sight, and hearing, and subsequently your ability to safely operate an automobile. Several self-assessment guides are available, including “Am I A Safe Driver,” “Test Your Driving IQ,” “5-Question Test,” and “DriveSharp.” Medication assessments, professional evaluations, and MVA screenings are also provided. Driving Safety course offered include AAA Roadwise Driver For Seniors, AARP Driver Safety Program, and AARP Smart Driver TEK.

About 20% of Maryland’s population is over the age of 60. In 10 years, the percentage will increase to 25%. The most common crashes for older drivers are turning left at an intersection with a stop sign, merging onto a ramp with a yield sign, changing lanes on large highways, and turning left at an intersection with a green light and oncoming traffic. The number of crashes and fatalities caused by older drivers has steadily increased over the last 10 years.

The MHSO (Maryland Highway Safety Office) provides summary crash data to the public. An annual highway safety plan is also available for the review of projects.

Highway Safety Office Grants

Applications are granted by the Maryland Department Of Transportation Highway Safety Office. Local and state governments, non-profit organizations, and law-enforcement agencies are eligible for grants. Additional information is available online and through the mail.