Thurmont Car Insurance Buying Tips You Aren’t Supposed to Know

No one in their right mind cherishes buying car insurance, especially when their premiums are through the roof. Consumers have many insurance companies to pick from, and although it’s a good thing to be able to choose, so many choices can make it hard to get the best deal.

It’s a great practice to check car insurance prices every six months due to the fact that insurance rates fluctuate regularly. Just because you had the lowest price two years ago a different company probably has better rates today. So just forget anything you know (or think you know) about car insurance because you’re going to learn how to use the internet to save money, get proper coverage and the best rates.

Cheap Thurmont Car Insurance Comparisons

There are a lot of ways to compare car insurance quotes, but some are less time-consuming than others. You could waste a few hours talking about coverages with insurance companies in Thurmont, or you can utilize the internet to get prices fast.

Many insurance companies belong to a marketplace that allows shoppers to submit their information once, and each participating company can give them a price determined by their information. This saves time by eliminating form submissions for each company you want a rate for. To compare rates using this form now click to open in new window.

The one downside to pricing coverage this way is you don’t know exactly which carriers you want to price. So if you want to choose specific providers to compare, we have a listing of companies who write car insurance in Maryland. Click here to view list.

Which method you use is up to you, but be sure to compare the exact same coverages and limits for each price quote. If each company quotes different liability limits it will be next to impossible to decipher which rate is best in Thurmont.

Which policy gives me the best coverage?

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you would benefit from professional advice.

• Do I need roadside assistance coverage?
• What if I total my vehicle and owe more than it’s worth?
• When should I drop full coverage on my vehicle?
• Why does it cost so much to insure a teen driver in Thurmont?
• Do I have coverage when making deliveries for my home business?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when driving someone else’s vehicle?
• Is my business laptop covered if it gets stolen from my vehicle?
• What can I do if my company won’t pay a claim?
• Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

But buying car insurance online seems impersonal

Some people would prefer to talk to a local agent and that is just fine! Professional agents can help determine the best coverages and give you someone to call. The biggest benefit of getting online price quotes is you may find the lowest rates and still choose a local agent.

After completing this quick form, the quote information is emailed to local insurance agents who will give you bids for your coverage. You never need to drive around as quotes are delivered immediately to your email address. How’s that for easy!

Choosing an provider needs to be determined by more than just the bottom line cost. Some important questions to ask are:

• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• Which company do they place the most coverage with?
• Are claims handled at the agent’s location?
• Does the agent have professional designations like CIC, CPCU or AIC?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Can they provide you with a list of referrals?

Different types of Thurmont insurance agencies

If you’re trying to find a local agent, there are a couple of types of insurance agents from which to choose. Insurance agencies in Thurmont are either captive or independent. Both insure your vehicles, but it’s good to learn the differences since it may influence the selection process.

Captive Insurance Agents

Captive agents can only place business with one company and examples are American Family, State Farm and Allstate. They generally cannot shop your coverage around so keep that in mind. They are very knowledgeable on the products they sell which can be an advantage.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.

When searching for an agent, we recommend you include price quotes from at least one independent agent to get the best comparison.

Shown below is a list of independent agencies in Thurmont that can give you rate quotes.

Family Care Insurance-Maryland – 104 E Main St – Thurmont, MD 21788 – (301) 271-4300
Steve Boyer Insurance Inc – 103 Park Ln – Thurmont, MD 21788 – (301) 271-3113

For a complete listing of car insurance agents in Thurmont, go to this page.

Once you have received good answers for all questions you ask as well as a affordable price, chances are good that you have found an insurance agent that meets your needs to properly service your car insurance policy.

Some additional reading

Additional detailed information can be read at the Maryland Insurance Administration website. Visitors are able to read state legal mandates and laws, find out which companies have the most complaints, file complaints about a company, and file complaints about an insurance agent or broker.