I wish I found Reshop Insurance earlier! They cut my auto insurance premiums in half.
Mike
VP Chesapeake High School
Auto Insurance
Strategies to Slash Your Auto Insurance Costs
Improve your insurance profile
Have you ever wondered why your insurance premiums never seem to decrease? Insurance companies strive to maintain only an 8% share of the market, as any larger contribution could lead to catastrophic losses due to earthquakes, floods, and wildfires. To enhance your insurance premiums, it is imperative to enhance your insurance profile
30/60 Bodily Injury (BI) Limits
Did you know that having 30/60 Bodily Injury (BI) Limits can actually hurt your chances of getting a good auto insurance rate? Most insurance companies won't even give you a quote with those limits! But don't worry, we are here to help you save money on your auto insurance. The secret to lower rates? Switching to 100/300 BI Limits. People with these limits are saving around $400 every 6 months compared to those with 30/60 BI Limits.
Frequently Switching Carriers
Are you tired of being penalized for switching insurance carriers every six months to a year? Did you know that most carriers won't even quote you unless you have at least one year of continuous coverage with the same company? For the lowest rates, it's all about maintaining five years of continuous coverage with the same carrier before considering a switch. Trust us, it pays off in the long run!
Frequently Switching Carriers
Are you tired of being penalized for switching insurance carriers every six months to a year? Did you know that most carriers won't even quote you unless you have at least one year of continuous coverage with the same company? For the lowest rates, it's all about maintaining five years of continuous coverage with the same carrier before considering a switch. Trust us, it pays off in the long run!
Conclusion
Carry 100/300 BI Limits
Maintain 5 years continuous coverage with the same insurance carrier.
Pristine driving record with no accidents or moving violations.
You could score up to a 45% discount off your policy! And that's not even including other discounts like bundling home and auto insurance.
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
The accident-free discount is exclusively available for new customers. In the event that you have experienced an accident with Allstate in the past, unfortunately, you will not be eligible for the 35%-45% discount. However, there is still a way for you to regain this discount. Simply switch to a different insurance provider for a period of 3-5 years, and then you can return to Allstate to enjoy the discount once again.
Here’s something interesting – the folks with the best auto insurance rates all share one thing: they have 100/300 BI Limits. Those with higher limits pay less than those with 30/60 BI Limits. Insurance companies aren’t crazy about folks who have 30/60 BI Limits. In fact, most insurance companies won’t even give you a quote if you have lower limits. So, if you’re looking to save some money on your auto insurance, consider upgrading your BI Limits to 100/300. It could make a big difference in your rates!
After witnessing a multitude of quotes – both good and bad – over the past 15 years, we have gained valuable insights into what insurance carriers consider when rating new customers. Insurance rating varies with each carrier, which is why we work with multiple companies to ensure you get the best 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.
Smart Auto Insurance Optimization
Don't stick with default quotes. Reshop handles market benchmarks to secure premium coverage matching Maryland's regulatory standards at optimal market rates.
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.
Request Call Back
Contact Us
Office: (410) 877-6980
info@reshopinsurance.com
Our Address
Fells Point
1909 Thames Street, Baltimore, MD 21231