Cheap Auto Insurance Maryland: Your Guide to Discounts

Cheap Auto Insurance Maryland

Cheap Auto Insurance Maryland

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To drive legally in Maryland, you need more than a valid driver’s license. You must have car insurance that provides the minimum state requirements—plus any other coverage required by your lender if you have a loan on your car. With Maryland Auto, you can rest assured knowing you’ll be covered and fully within the law.

This coverage protects you from bodily injury and property damage caused by the operator of an uninsured automobile, including a hit-and-run driver, after any applicable deductible. Maryland Law requires uninsured motorist limits of 30/60/15 or $30,000 per person, $60,000 per accident for bodily injury and $15,000 per person for property damage.

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Increased uninsured motorists limits are available for an additional premium (but these limits cannot exceed your third party liability limits). Higher limits give you additional protection in the event of a serious accident and can provide underinsured coverage for you, if you are involved in an accident with a driver who has minimum limits coverage.

Also known as “PIP” protection, this covers medical expenses and lost income for you and your passengers who are injured in a covered accident, up to $2,500 per person. PIP pays your medical bills without regard to fault.

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Personal Injury Protection may be waived for a reduced premium, but household relatives under 16 years old, and certain others are still covered.

These additional types of coverage may be required by your lender if you have a loan on your automobile:

COLLISION:

Pays for damage to your car caused by striking another car or object.

COMPREHENSIVE:

Will pay for damage to your car from almost all causes other than collision such as theft, fire, hail, and animals.