Insurance Insider
Tips for lowering
auto insurance.

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Insider tips for better auto insurance rates.

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!



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.

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Insights and Analysis

Gain valuable insights on why your rates are high and empower yourself with information when to expect lower insurance premiums.


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Our knowledgeable team will break down the nuances of your policy and provide personalized strategies to help you drive down your premiums.


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Skip the time-consuming research; Reshop Insurance simplifies the process so you can effortlessly compare quotes and enjoy savings.

I really wish I had discovered Reshop earlier! It's amazing how this agency managed to slash my auto insurance rates by half.


VP Lansdowne High School


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Home Insurance

We're here to make your life a little simpler. That's because we offer low-cost home insurance and collaborate closely with your lender. This means you can expect the smoothest possible loan closing experience.

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Expert Guidance: Our knowledgeable team will break down the nuances of your policy and provide personalized strategies to help you drive down your premiums. Chat with our experts and start saving today!

Life Insurance

Choice is a good thing. We offer many different types of life insurance to suit a variety of needs and situation. We can help you find an insurance policy that fits you for every stage of life. Providing for your loves ones is our top priority.

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Whether you own a working ranch or a hobby farm, when you put your life and well-being into a farm, you need more than just a policy, you need a partner. We can craft our policies to cover the people, property, liability and livestock.

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Wherever you are in life, Reshop Insurance wide array of insurance products and service can help you get the coverage you need. Our multiple carriers offer renters, landlord, motorcycles, boat, RVs, builder's risk and more.

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Honest Answers

Simple & Good Questions.

The accident-free discount is exclusively available for new customers. In the event that you have experienced an accident with Geico 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 Geico to enjoy the discount once again if they can meet your new rates.

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. Trust us, award winning agency! Rookie of the Year & Most Auto Insurance Sold in Maryland.
Let us help you save now! 

You’ll be delighted to know that we offer a fantastic multi-policy discount. But there’s more! We specialize in providing incredible home insurance too. By utilizing our top-notch real estate appraisal technique, rest assured you’ll receive the most accurate and best price. We’ll work closely with your lender to ensure a seamless transition. And don’t worry, we’ll take care of the cancellation process and make sure you get the refund you rightly deserve!

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At Reshop, we are committed to provide top-notch services to our customers.


101 W Ridgely Rd, Ste 5A
Lutherville, MD 21093


We are a friendly, local, and family-owned agency based in Lutherville, MD. Our services are now available for insurance coverage in AZ, DC, MD, NJ, OH, PA, and VA. Come and experience the personal touch with us!

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