Salisbury Car Insurance

Your Complete Guide to Salisbury, MD Car Insurance

Even the most cautious drivers can sometimes cause accidents—particularly in the winter when snow and sleet can make driving in Salisbury hazardous. That is why Maryland vehicle owners are required to have car insurance. From fender benders on Salisbury Boulevard to multi-car collisions on US-50, a reliable auto insurance policy can shield you from large financial losses after an accident.

Independent agents in Salisbury can make shopping for car insurance stress-free. These agents are able to provide you with a variety of car insurance quotes so you can be sure you are getting your policy at a competitive price. 

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Maryland Car Insurance Requirements

Drivers in Maryland are required to have car insurance that meets or exceeds the following:

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Required
  • Uninsured motorist coverage: Required
  • Minimum liability limits: 30/60/15; coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual; and $15,000 coverage for property damage.

A basic car insurance policy that merely meets Maryland’s minimum coverage requirements may provide you with the coverage you need for minor collisions. However, if you are responsible for a serious accident that results in severe injuries, your liability costs can easily exceed what your policy will cover. In that case you would be responsible for making up the difference. 

That is why many Salisbury vehicle owners choose to purchase car insurance that has higher-than-required liability coverage. Some residents also purchase umbrella insurance policies in order to boost their liability coverage even further.

How Much Does Auto Insurance Cost in Salisbury, Maryland?

Maryland is the 11th most expensive state for car insurance. The average car insurance rate in this state is higher than the national average, and in Salisbury, rates tend to be even higher. This makes shopping for the best rate especially important. 

  • National average annual car insurance cost: $1,311
  • Maryland average annual car insurance cost: $1,590
  • Salisbury average annual car insurance cost: $1,924

Car insurance rates can vary significantly from one person to the next, so this average rate can only give you a ballpark idea of what your actual costs might be. This is because rates are calculated according to several different factors, including :

  • The make, model, and year of the vehicle(s) you are insuring
  • Your age, driving record, and credit score and details about other drivers in your household
  • How much liability coverage you are purchasing
  • Whether you own or rent your home
  • The and auto theft and accident rates in the vicinity of your home

You may be able to get lower rates if you qualify for offered discounts, such as for having a safe driving record or bundling your coverage with another policy like home insurance or renters insurance. Every insurance company has a different method for calculating rates, so comparing quotes can save you money. Independent agents in Salisbury make comparison shopping easy.

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Number of Uninsured Motorists in Maryland

If you are caught driving an uninsured vehicle in Maryland, you can be penalized with the revocation of your plates and registration, fines, fees, and even jail time. Despite this, more than one out of every ten drivers in this state does not have car insurance.

  • How many US drivers are uninsured? 12.6%.
  • How many Maryland drivers are uninsured? 12.2%.

Uninsured motorist insurance guarantees that you will get the compensation you deserve if an uninsured, underinsured, or hit-and-run driver causes a collision with your vehicle. Your insurance company will then take on the challenge of collecting the money owed from the at-fault driver.

Uninsured motorist coverage is optional in many states, but in Maryland, it is required.

Number of Auto Thefts in Salisbury, MD

The auto theft rate in Maryland is higher than the national average, but in Salisbury, the risk is low. This does not mean it doesn’t exist. Approximately 50 vehicles are stolen in this city in an average year.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Maryland auto theft rate per 1,000 vehicles: 3.89
  • Salisbury auto theft rate per 1,000 vehicles: 1.42

Comprehensive (also called “other than collision”) insurance is necessary in order to be compensated for an auto theft. This insurance is optional, but most lenders will require that you have it until your auto loan is paid in full. 

Comprehensive insurance is a good idea if your car is still worth a lot of money. In addition to auto theft, it also provides compensation for other non-collision damage such as that caused by falling objects, floods, and fires. Talk to your local agent to learn more.

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Why Work with an Independent Insurance Agent?

As a vehicle owner in Salisbury, you can turn to a local independent agent for help when you are searching for the best price for car insurance. These agents are free to work with several different insurance companies to help you find a reliable and affordable policy.

Find an agent with an office in Salisbury to learn more. You can start comparing quotes for customized, competitively  priced auto insurance in no time.

Sources © 2019, Consumer Agent Portal, LLC. All rights reserved.

http://www.naic.org/prod_serv/AUT-PB-14.pdf
http://www.city-data.com

© 2019, Consumer Agent Portal, LLC. All rights reserved.

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