Maryland is one of five states in the United States that continues to follow the doctrine of “concurrent guilt”, where drivers’ behavior is analyzed independently as to how each contributed to the accident. The insurance companies of each will compensate the other in the measure of the percentage in which its insured contributed to the accident. This is not always popular, but that’s how it works. Therefore, we leave you some key questions that you should ask yourself when choosing the type of insurance that you are going to buy.
1. How much do you want to pay for your car insurance?
In terms of auto insurance, the prices of insurers are very different, some favor insurance for brand new cars, and some target used cars up to 5 years old.
Do not stay with just one of them. If you know your budget well and want to compare, you can ask for prices online at several leading companies at the same time and in a few steps.
Compare coverage and prices
Defend your pocket. Getting cheap auto insurance in MD is possible, but make sure to take into account that when you need your auto insurance, your coverage should match what you really need covered.
2. How do you use your car?
If your car has a lot of use, we recommend looking for a full third party included coverage.
3. Where do you usually drive with your car?
The highway is not the same, as a rural area, as an avenue, or a common street. If you drive in rural areas, it serves to have a good coverage for hailstones and other atmospheric phenomena, but if you are in downtown areas and highways most of the time, a good coverage for a car crash is what you need.