Knowing your coverage needs can cut auto insurance costs

To get the most accurate quotes you will also need to call different companies.
To get the most accurate quotes you will also need to call different companies. | File photo

The Maryland Department of Motor Vehicles requires all drivers to be insured by a Maryland-licensed company and have minimum coverage levels.

To get the best price, you will first need to know your current insurance plan coverage for comparison. To accomplish this, you may need to learn some of the insurance vocabulary (comprehensive, collision, gap, etc.).

You can find free insurance quotes online via sites such as insurancequotes.com, carinsurance.com, or trustedchoice.com. The state also offers a free, downloadable auto insurance comparison guide at mva.maryland.gov.

However, to get the most accurate quotes you will also need to call different companies. Ask about coverage for your vehicle’s make, model, age, mileage, etc. Also, find out about discounts on factors such as alumni association membership, seat belt use, driver status, airbag presence, or a “multi-channel” discount for customers with insurance policies with the same company – e.g. homeowner’s, renter’s, etc.

Take your time. Reputable companies will hold a quote for at least a day. You may even decide to adjust your coverage depending on your circumstances or your vehicle’s condition.

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State of Maryland 45 Calvert Street Annapolis, MD 21401