Insurance Considerations, Compensation Insurance

Maintain a good driving record
Higher premiums are often the result of accidents and tickets. Be a defensive driver, watch out for the other drivers and obey the speed limits. Cautious drivers can afford an extra minute or two, and can pay less in premium dollars.Explore higher deductibles

Purchase the highest deductible you can afford, to reduce the physical damage premium. The more you are willing to pay shows that you are investing in your own safe driving.

Consider the age and condition of your automobile
Physical damage coverage on an older vehicle or one in poor condition may cost more to insure than it. s worth. In the event of an accident, you may receive less than you pay in annual premiums.

Shop for the best premium
Each year you should shop for the best coverage at the best price. You should contact any licensed agent or broker in the state of Maryland and compare quotes with another to make certain that the terms, conditions, limits, deductibles, etc. are the same. Rates and coverage can change.


How do I present my proof of Insurance?

When your auto insurance cancels, the insurance company is required to notify the Motor Vehicle Administration of the insurance termination date. You will be asked to get a FR-19 insurance certification form from each insurance company that has provided liability insurance prior to the termination date. You can obtain a FR-19 from your agent or your insurance company.


My vehicle is stolen. What do I do?

Call the police and make a police report, then call your insurance company and provide:

The specific location from which vehicle was taken, when the theft was discovered, when the vehicle was last seen at the location and the police precinct and police report number.

I just got a speeding ticket or had an accident. How will this affect my auto insurance?

Most often, the ticket/accident will result in an increase of your insurance premium