The United States requires drivers to carry evidence of valid car insurance, but the exact requirements vary from state to state. If you plan to relocate to Maryland, be sure to read the Maryland auto insurance requirements before applying for a driver's license. Buy insurance before you make an appointment with DMV, and transfer your registration without delay. The following list of Maryland's requirements will help you avoid waiting in line only to find that you are missing a required document.
Bodily Injury
This insurance covers occupants of your vehicle who are injured in an accident for which you are liable. In Maryland, drivers must carry continuous bodily Injury insurance or face stiff fines. When you view a Maryland auto insurance quote, you will find two different limits; one for each injured person and the other an overall limit for each accident. Minimum requirements in Maryland are $30,000 for each person with an overall limit of $60,000 for each accident. This may be quoted as 3060. Remember these are only minimums. You should purchase a high enough limit to protect your assets.
Property Damage
This insurance pays for damages to the other vehicle(s) in an accident for which you are liable. The minimum requirement in Maryland is $15,000 per accident, regardless of how many vehicles are involved. Be aware that this will not cover repairs to your own vehicle.
When you research Maryland auto insurance you should look for a reputable company offering reasonable premiums. Gather all necessary information, such as the VIN number, prior insurance policy, and registration. You will also need your driver's license.
Driving a practical and safe car can also be a good way to get lower rates on car insurance. Insurance carriers tend not to like sports cars, classic cars or luxury cars that tend to find themselves at the top of the Forbes list of most stolen vehicles. Rather, they prefer cars with good safety features and antitheft devices such as antilock brakes, airbags, car alarms, daylights and locking steering wheels. They also favor cars with common parts that are easily replaced if the need ever arises.
Drivers may also look to their neighborhoods when looking for Maryland auto insurance. People who live in areas that are considered safe and low crime are more likely to get better rates on their premiums. Having a low yearly mileage average on a car can also get a driver lower rates on his or her premium. These are only a few of the ways one can find affordable car insurance. It is important that a driver consider how much coverage will make him or her feel comfortable before committing to a policy.
Bodily Injury
This insurance covers occupants of your vehicle who are injured in an accident for which you are liable. In Maryland, drivers must carry continuous bodily Injury insurance or face stiff fines. When you view a Maryland auto insurance quote, you will find two different limits; one for each injured person and the other an overall limit for each accident. Minimum requirements in Maryland are $30,000 for each person with an overall limit of $60,000 for each accident. This may be quoted as 3060. Remember these are only minimums. You should purchase a high enough limit to protect your assets.
Property Damage
This insurance pays for damages to the other vehicle(s) in an accident for which you are liable. The minimum requirement in Maryland is $15,000 per accident, regardless of how many vehicles are involved. Be aware that this will not cover repairs to your own vehicle.
When you research Maryland auto insurance you should look for a reputable company offering reasonable premiums. Gather all necessary information, such as the VIN number, prior insurance policy, and registration. You will also need your driver's license.
Driving a practical and safe car can also be a good way to get lower rates on car insurance. Insurance carriers tend not to like sports cars, classic cars or luxury cars that tend to find themselves at the top of the Forbes list of most stolen vehicles. Rather, they prefer cars with good safety features and antitheft devices such as antilock brakes, airbags, car alarms, daylights and locking steering wheels. They also favor cars with common parts that are easily replaced if the need ever arises.
Drivers may also look to their neighborhoods when looking for Maryland auto insurance. People who live in areas that are considered safe and low crime are more likely to get better rates on their premiums. Having a low yearly mileage average on a car can also get a driver lower rates on his or her premium. These are only a few of the ways one can find affordable car insurance. It is important that a driver consider how much coverage will make him or her feel comfortable before committing to a policy.
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