Compare Free Maryland Car Insurance Quotes and Save
Like several states, Maryland requires that its drivers purchase Maryland car insurance before they may register a vehicle. While there are many companies that provide affordable car insurance in Maryland, we understand how confusing the purchase of liability insurance can be.
So CheapCarInsuranceQuoteTips.com now offers visitors the chance to find cheap car insurance. Maryland residents need only place their ZIP code in the box to the right and they'll receive a list of several insurance carriers eager to provide them with Maryland car insurance quotes. We charge nothing for this service and you absolutely do not have to purchase any insurance from any of the companies that are on the list we send you. We provide this list only so that your search for affordable car insurance goes more smoothly.
The minimum amount of car insurance you'll need to purchase in Maryland is:
- $20,000 per person (up to a total of $40,000) per accident of bodily injury liability
- $15,000 for property damage liability
Those who provide Maryland car insurance quotes call this 20/40/15.
You're also going to have to purchase car insurance in Maryland to cover you in the case someone who has no insurance or not enough insurance causes an accident. This is called Uninsured/Underinsured Motorist Bodily Injury coverage and the minimums you'll need also are $20,000/$40,000.
In addition, the law in the Old Line State requires that you purchase uninsured motorist property damage insurance of at least $15,000 as well as at least $2,500 in personal injury protection (also known as PIP).
When an accident occurs, Maryland's tort system kicks in. This means that someone actually must be found to be "at fault" in the accident. Whoever is deemed "at fault" must pay for the damages and injuries. Any difference between your Maryland car insurance coverage and the actual amount of damages/injuries, will come out of the pocket of whoever's deemed responsible ("at fault"). If that's you, that could well mean you'll have some pretty hefty bills to pay because the cost tally for most injuries and damage to property often is much higher than the minimum insurance coverage.
The PIP mentioned above is what will help you pay what courts call "reasonable and necessary" medical expenses for you and any of your passengers who are injured in the accident. As with the liability minimums, the $2,500 PIP minimum may not go far in paying expenses for those who have purchased this cheap car insurance. Maryland residents may be well advised to buy more than the bare minimum.
Purchasing more than the minimum amount of car insurance required needn't mean you won't be able to afford it. CheapCarInsuranceQuoteTips.com can provide you -- at no charge -- with a list of several insurance firms happy to research affordable auto insurance for you. All you need to do is place your ZIP code in the box to the right, wait for the list to appear and then start calling. You've nothing to lose (you're not at all required to purchase any insurance from any of the companies) and so much to gain.
Start searching for Maryland car insurance today!
