Shopping for automobile insurance?

Whether you have just purchased a new car, need to change vehicles on a policy, or want to find a better premium, we can help. Comparing “apples to apples” is important in getting the right coverage from the right carrier. We can compare prices from a number of different insurers to get the best insurance for you and your family at the most affordable cost.

What factors can affect the cost of Automobile Insurance?

For auto liability coverage – Age, gender, marital status, driving record, vehicle use, annual mileage, location of garage, and the liability limits you select for your policy all will go into determining the cost of your premium.

For physical damage coverage – Factors include all of the above, plus the year, make, and model of the automobile and the amount of deductible you select.

What is the difference between collision coverage and comprehensive coverage?

- Collision (physical damage insurance) is defined as coverage when your automobile collides with another vehicle or object.

- Comprehensive (other than collision coverage) covers other direct physical damage, such as vandalism, hail damage to your automobile, or hitting a deer.

How much insurance do I need?

Almost every state in the country requires all drivers to carry automobile insurance, particularly liability. These laws protect victims of auto accidents by enabling them to receive compensation when they suffer losses due to the negligence of other drivers. State minimums are set by law.

Your individual needs will vary. Speak with your Independent Insurance Agent to discuss your situation, your budget and to find out what insurance policies are available to best meet your needs.

Call us today at 410-871-0577 for more information or to get a quote, or email us at cedlund@mdinsurancepro.com.