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Maryland Car Insurance Discounts

There are many ways that Maryland drivers can save money on their car insurance. Most auto insurance companies in the state offer discounts, so all you need to do is learn about what discounts are available and find the ones that apply to you or your family. Then, you can ask about these when you discuss your coverage with someone from a vehicle insurance company, to make sure you are getting all the discounts you are eligible for.

Driver-Based Discounts

Many of the discounts pertaining to auto insurance in MD have to do with certain characteristics of the driver. As long as you fall into certain categories, you should automatically get these discounts. It's always a good idea to ask the insurance company about them, though, just to be sure that nothing falls through the cracks.

The largest driver-based discount has to do with your previous driving record. The more accidents, claims, tickets and citations you have on your record, the more you will pay for auto insurance. If, on the other hand, you have managed to keep your driving record clean, you will be eligible for a discount. Some automobile insurance companies will actually give you more of a discount the longer you have a clean record.

If you are not eligible for a discount based on your driving record right now, you could still become eligible in the future. Most auto insurance companies only keep tickets, accidents, and claims on your record for a certain amount of time. Be sure to inquire when these will no longer show up on your record so you can ask about the discount then.

If you are a student or have students on your policy, check into discounts based on their grade point average. Because students who are responsible in school have also been proven to take more responsibility behind the wheel, most auto insurance companies will give a discount for keeping grades high. Be sure to check with your individual auto insurance company to determine their threshold for this discount.

Some vehicle insurance companies will also give a discount to drivers who have completed defensive driving or driving education courses. Sometimes, this discount pertains to all drivers but, with other companies, it pertains only to teen drivers, new drivers, or drivers over a certain age. You should also find out if there are particular courses that qualify or if any driving course you take will garner the discount.

Any groups or associations that you or someone in your family belongs to could also gain you discounted automobile insurance. Sometimes, groups will negotiate discounted rates for their members with particular auto insurance companies. To find out about these discounts, it's often easiest to contact the group's headquarters and ask about it, as they usually have the most updated and detailed information. Groups that do this include professional groups, civic groups, alumni groups, and more.

Finally, a few auto insurance companies offer discounts based on your profession. Because people in certain professions, like engineers, have proven themselves less likely to get into accidents overall, they are occasionally eligible for discounts from insurance companies. The best way to find out if your company offers these discounts and which professions are eligible is to speak to the company directly.

Other Discounts

Not all car insurance discounts are based on characteristics of the driver. Some are based on characteristics of the vehicles being insured or the driver's relationship with the automobile insurance company.

If the vehicle you're insuring has anti-theft features, you will probably be eligible for a discount based on these. Because they make your vehicle harder to steal, the auto insurance company is less likely to have to pay to replace it and they will pass some of this savings on to you.

In addition, you can save money on your automobile insurance if your vehicle has certain safety features, like anti-lock brakes or airbags. These lower the likelihood that the insurance company will have to pay for major medical care for people in your car in case of an accident, and so can earn you a vehicle insurance discount.

If your vehicle does not gain more than a certain amount of mileage every year, you can get a discount for that, too. Note that the mileage in question is total mileage across drivers, not just your mileage in it. For the particulars of this discount, like the mileage threshold, talk to your specific car insurance company.

Finally, you may also be eligible for discounts if you have more than one car or driver on a single policy, carry multiple types of policies with the same insurance company, are a long-term policyholder with a particular company, or pay your premium bill in full. These discounts are usually small, but pursue them because they can add up to significant savings.

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