Auto Insurance Defined
Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage. When you need auto insurance in baltimore maryland, give us a call.
Frequently Asked Questions About Auto Insurance
What does auto insurance cover?
Auto insurance can provide physical damage coverage for your car, liability for injury or property damage you may cause, claims for uninsured and underinsured motorists, and medical payments. Other optional coverages are available.
Do I have to carry auto insurance?
Yes, every state requires drivers to provide at least liability insurance for their registered vehicles. State minimums for coverage vary from state to state.
What is the cheapest policy?
The most affordable policy is auto liability only. If you have a lien or a lease, you will be required to carry comprehensive and collision coverage as well.
Can I put anyone on my policy?
You should include all members of your household and anyone who has regular use of the vehicles.
What is an insurance deductible?
An insurance deductible is the amount of money you agree to pay before your insurance company pays for additional damages.
How can I get an insurance discount?
By bundling your policies, being a good student, clean driving record, and a high credit score. There are often additional discounts. You should speak to your agent.