I wish I found Reshop Insurance earlier! They cut my auto insurance premiums in half.
Mike
Vice Principal Chesapeake High School
Auto Insurance
Don't be fooled by thinking all insurance providers offer the same price.
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GUIDE FOR BETTER AUTO NSURANCE RATES
Here are some simple steps you can take to help reduce your rates and get better coverage.
Avoid Carrying Only State Minimum of 30/60 BI
By only carrying the state minimum of 30/60 BI coverage, you are missing out on accident-free and safe driver discounts, even if you have a clean driving record. Many carriers see state minimum coverage as similar to having bad credit.
Get the Best Rating with 100/300 Bodily Injury Limits
Understanding insurance pricing can feel overwhelming, with countless factors at play. However, there is one crucial element that you can influence - your bodily injury limits. By selecting the 100/300 option, you are setting yourself up for success in terms of your rating tier. This small change can have a big impact on your overall rating, placing you at the top rather than the bottom. Remember, every decision you make matters when it comes to securing the best possible insurance rates.
Why Continuous Coverage with Your Current Carrier is Crucial
Maintaining uninterrupted coverage with your current insurance provider is essential for ensuring the best rates on your policy. Constantly switching providers can potentially harm your rates and be seen as a negative indicator of credit history. By staying with the same carrier for 3-5 years, you position yourself positively for better rates. As you approach the 5-year mark, consider shopping around to ensure you're getting the best rates available.
Maintaining a Clean Driving Record
Many people start shopping for better rates after an accident, but switching too soon can actually end up costing you more. Waiting just three years for the accident to fall off your record can result in saving hundreds of dollars, rather than just a few.
Conclusion
• 100/300 bodily injury limits
• 5 years with the same carrier
• 0 accidents or speeding tickets
If you meet all three of these criteria in your search for insurance, you can rest assured that you will be rated 20-45% cheaper than other shoppers. This special discount is just for taking the time to make a simple call before factoring in any additional discounts such as multi-line, paperless, and auto payment. Don't miss out on this opportunity to save money on your auto insurance coverage.
• 5 years with the same carrier
• 0 accidents or speeding tickets
If you meet all three of these criteria in your search for insurance, you can rest assured that you will be rated 20-45% cheaper than other shoppers. This special discount is just for taking the time to make a simple call before factoring in any additional discounts such as multi-line, paperless, and auto payment. Don't miss out on this opportunity to save money on your auto insurance coverage.
Current Auto Insurance Providers
Get Your Affordable Insurance Today!
GEICO
Coverage: Auto, Homeowners, Commercial Auto/Trucking, Motorcycle, ATV & Off-Road, Umbrella.
TRAVELERS
Coverage: Auto, Homeowners, Condo, Renters, Landlord, Umbrella, Boat/Yacht.
PROGRESSIVE
Coverage: Auto, Renters, Commercial Auto, Motorcycle/ATV, Boat, Motor Home, Travel Trailer, Snowmobile
BRANCH
Coverage: Auto and Home
ELEPHANT
Coverage: Auto
NATIONAL GENERAL
Coverage: Auto, Commercial Auto, Flood, RV/Motorhome/Trailer
Good Questions
- Did you know that insurance companies offer great discounts for accident-free and safe driving that aren’t widely advertised?
For example, Allstate provides a 30% discount for new customers who are safe drivers. However, it’s important to note that if you have an accident while insured with Allstate, that discount may be removed from your policy permanently.
Luckily, we work with carriers who offer even higher discounts of up to 45% for new customers who are safe drivers.
- I have an interesting discovery to share with you all – those who have the best auto insurance rates have one thing in common: they all have 100/300 BI Limits. It turns out that those with higher limits actually pay less than those with 30/60 BI Limits because they’re eligible for discounts that aren’t available to the lower limit holders. It’s unfortunate that insurance companies aren’t too keen on individuals with 30/60 BI Limits. In fact, most insurance companies tend to associate minimum state limits with people who have bad credit.
- Don’t assume all insurance companies offer the same rates. With over 10 carriers in Maryland, it’s clear that pricing can vary significantly. Drawing from 15 years of experience, we’ve seen a wide range of quotes – both favorable and unfavorable. Each insurance carrier has its own unique criteria for rating new customers. This is why we partner with multiple companies to find you the most competitive price possible.
- At our agency, we have partnered with multiple insurance carriers that specialize in both home and auto coverage. Our top picks are Travelers and Geico, known for their competitive rates and exclusive multi-line discounts. Make the smart choice and save on your insurance policies by bundling with our trusted insurance providers.
- If you’re just starting out or don’t have insurance yet, we suggest looking into a non-owned policy. This type of coverage will protect you in case of accidents while driving someone else’s vehicle, covering property damage costs. The monthly premium for this coverage typically ranges from $100 to $200 per month, and starting this policy can help build your insurance profile for when you’re ready to insure your own vehicle.
Maryland Baseline Cost Framework
State Minimum Liability
$45 - $72
per month (Estimated $540 – $860 annually)
Ensures legal operational compliance under Maryland statutes
with standard clean-profile risk pools.
Comprehensive Full Coverage
$116 - $146
per month (Estimated $1,398 – $1,750 annually)
Bundles robust collision, comprehensive assets, and maximum
baseline liability protection.
Market Profile Allocation Matrix
| Driver Risk Classification | Target Full Coverage Rate (Monthly) | Strategic Adjustments & Insights |
|---|---|---|
| Excellent / Good Credit Tier | ~$120 / mo | Maximizes low-risk asset optimizations and primary carrier tier pricing. |
| Single Speeding Infraction | $58 - $60 / mo | Marginal premium adjustments; highly stable risk rating across baseline carriers. |
| Poor Credit History Profile | $64 - $67 / mo | Top tier performance compared to industry averages which disproportionately penalize low credit scores. |
| At-Fault Accident Record | ~$88 / mo | Surcharges apply. Mitigated through multi-line policy adjustments or proactive safety courses. |
| Young Adult Drivers (Under 25) | ~$403 / mo | Elevated risk pools state-wide. Rates drop steadily via professional and academic discount tracking. |
Maryland Mandatory Compliance
You are not alone
Feeling overwhelmed by the high expenses of car insurance? Don't fret - we have some solutions that can ease the financial burden for you.