Maryland Car Insurance

Whether they are braving Baltimore traffic, commuting south into Washington, D.C. or traveling west through the Appalachian foothills, Maryland residents have a number of driving hazards they must deal with on a daily basis. Combined with the amount of traffic traveling between New York, Philadelphia and the nation’s capital and it should leave no doubt as to the importance of every Marylander’s need for top-notch automobile insurance coverage. CarInsuranceQuotes.com understands the kind of bind automobile insurance premiums can put on a family’s budget and that is why CarInsuranceQuotes.com has partnered with reputable car insurance companies like Allstate, Nationwide and Progressive to help our customers find the lowest Maryland car insurance rates online.

Maryland Car Insurance Requirements

To help keep the cost of insurance premiums as low as possible as well as lower the amount of lawsuits that are being filed yearly by Maryland drivers, Maryland has become one of the nation’s few no-fault states for car insurance. Under the no –fault rules, each person’s insurance will cover their medical expenses regardless of who was at fault in the accident. For this reason, every Marylander is required to carry Personal Injury Protection (PIP) to help pay for medical expenses, lost wages and funeral expenses for the insured driver.

There are exceptions to the no-fault rule, however. If the medical expenses exceed a predetermined amount or if the accident is deemed too severe, the at-fault party can be held responsible for the other driver’s damages. Therefore, Maryland motorists are also required to carry a minimum bodily injury liability policy in the amounts of $20,000 for injuries to an individual and $40,000 for injuries to multiple people as well as property damage liability in the amount of $10,000 for repairs to property and the other person’s vehicle.

Because the rising costs of medical treatment and repairs make it very easy for the costs of damages to exceed the minimum coverage required by the state of Maryland it is strongly recommended that all Marylanders purchase coverage greater than that which is required as well as a Comprehensive and Collision policy to cover their own vehicle when they are at fault or the insurance held by the other party is not sufficient to cover their damages.

Even though Maryland law requires motorists to maintain a minimum liability policy for their vehicle, not every motorist abides by this rule. Combined with the fact that not all states require their drivers to maintain liability coverage equal to the Maryland minimums, every Maryland resident is also required to obtain Uninsured/Underinsured Motorist protection for their vehicle. UM protection will pay for damages when another driver’s insurance cannot meet the demands or when a vehicle is damaged by a hit and run.

From 2006 to 2007, the average price that Marylanders paid for car insurance premiums dropped $92 from $2226 to $2134. Even with the falling rates, Maryland is still the ninth highest state for automobile insurance costs. CarInsuranceQuotes.com is dedicated to helping Maryland residents save as much money as possible when they shop for automobile insurance online. CarInsuranceQuotes.com has streamlined the process of finding quotes from highly reputable companies, allowing our customers to find multiple low cost Maryland car insurance quotes in less than five minutes; allowing them to choose the insurance policy that suits their needs. Visit CarInsuranceQuotes.com every time you need a Maryland car insurance quote.

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