Maryland Auto Insurance Policy Options
Our Maryland Auto Insurance agents have years of experience with providing and specializing in car insurance. As a car insurance specialist in Maryland, MAIF can help you create a policy that meets all of your needs! MAIF understands that choosing the right policy for your auto insurance needs can be a confusing process. Our experienced agents take the time to explore all your affordable Maryland Auto Insurance options to help you make the most informed decisions.
In addition to the Maryland minimum insurance requirements, there are several options to consider when choosing a Maryland Auto Insurance policy. Our team can explore this with you at the time of your call or visit to one of our convenient locations.
Level of Insurance Coverage
Beyond the minimum requirements for bodily injury, uninsured motorists, and property damage, you may elect to insure your vehicle at a higher level to avoid any large costs in the event of an accident. For example, adding collision to your policy will cover a certain percentage of costs if you are in an accident. There are many exceptions to this type of coverage, and your agent will go over all options and explain associated monthly premium costs.
Common Types of Auto Insurance Coverage:
- Liability Insurance: This type of insurance does not cover damage to you or your vehicle, whether you are liable for the accident or not. In other words, if you are liable for the accident, liability coverage helps pay the other driver’s expenses. There are typically two types of liability insurance: property damage liability coverage and bodily injury liability coverage.
- Collision Insurance: Collision insurance pays for the cost of damage to your vehicle if it is involved in a collision with another vehicle or object. Collision insurance is required for leased cars or if you owe money on a vehicle.
- Comprehensive Insurance: This insurance covers damages to your car that are not the result of a collision, such as fire, vandalism, theft, natural disasters, damage by animals, Civil disturbances, and theft. Comprehensive insurance may not be suitable for older cars.
- Personal Injury Protection: No matter who is at fault for the accident, both the driver’s and the passenger’s medical expenses are covered.
Does Maryland Auto Insurance offer convenience options?
Yes! Maryland Auto Insurance also offers towing and rental car policy options for peace of mind; should your car become disabled or need to be repaired after an accident. A towing or rental car package will add to your monthly premium. We can discuss the benefits and costs when establishing a new policy.
Why do I need insurance in Maryland?
Having car insurance in Maryland is not optional, it is state law. You can be finned, and worse, if you are caught driving without insurance in our great state. Maryland Auto Insurance makes it easy for anyone to get the minimum amount of coverage required in Maryland.
Is Maryland Auto Insurance a low-quality insurance company?
No. Maryland Auto Insurance can provide the same coverage that most other auto insurance companies offer. The main difference is that we do not operate to solely make a profit. We were created by the state of Maryland to provide affordable coverage that does not “compete” with giant companies to increase our client base.
Request a Free Quote for Maryland Auto Insurance
At MAIF Insurance Online, we work with all drivers, regardless of their driving history. Our experienced team can work with you to find the right coverage for your auto insurance needs. During your visit, MAIF will discuss your driving history, current policy, your state requirements, and budget. With this information, MAIF can explore all your My MD Auto policy options and help you make the most informed decision regarding your car insurance.
Would you like to learn more about your policy options? Contact a My MD Auto agent today for more information. To schedule an appointment, call 301-842-6002 or request a free quote online today.