Don't try to drive a car in the state of Maryland if you don't have car insurance. If you are caught driving on a public road in Maryland without car insurance, your licence plates can be taken away and your registration can be cancelled. You won't be able to get a new registration or new plates until you can show that you have the required insurance. You could also face more criminal charges and punishments from the courts.
In other words, you really shouldn't even try to drive a car in Maryland if you don't have insurance.
Auto insurance in Maryland doesn't have to be so expensive that most people can't afford it. In fact, you can do a number of things to keep your rates as low as possible.
Keep your driving record clean to start. Your car insurance rates will go through the roof if you get a ticket for speeding or get caught driving while drunk or high. Your monthly premiums will also go up sharply if you have an accident, especially if it is your fault. Once your premiums have gone up because of any of these things, they are likely to stay high for a few years. Changing insurance companies won't help because all car insurance companies have access to your records.
If you are younger than 25, you know that car insurance is more expensive for you. If you are still in school and want to keep your rates as low as possible, stay in school and work hard. Most insurance companies will cut your monthly premiums by up to 5 percent if you have an average grade of "B" or better. It's called a "Good Student Discount."
If you're 55 or older, you may have noticed that your car insurance rates have been going up. But they don't have to stay high. Talk to your insurance agent to find out if your company gives discounts to seniors who have taken and passed a driver's refresher course. Many companies give seniors up to a 10% discount on their monthly premiums if they meet certain requirements.
If you have an older car that isn't worth much or nothing as a trade-in, you might want to get rid of collision and comprehensive coverage. If your car is damaged in an accident, your insurance won't pay to fix it or replace it. However, if your car had a low Kelly Blue Book value before the accident, your insurance company wouldn't have paid anything for it anyway, so you really don't lose anything and save a lot of money.
Increasing your policy's deductible is one of the most dramatic things you can do to lower your car insurance rates. Your deductible is the amount of money you will have to pay out of your own pocket if you make a claim. Your insurance company is willing to lower your monthly premiums because you will be paying for a portion of each claim.
Now it's time for you to go online and look at at least three of the many websites that let you compare auto insurance policies and prices from different companies side by side. Spend the extra time to fill out all the information needed on at least three different comparison websites. This way, you'll know for sure that you've compared every insurance company in Maryland that sells auto insurance, and you'll also know for sure that you've saved money and gotten cheaper auto insurance in Maryland.
All of this is meant to show that you don't have no control over how much you pay for car insurance in Maryland.
