Comparing car insurance quotes from one insurance company to another can be almost impossible. Rossmann-Hurt-Hoffman, Inc. is an independent insurance agency, based in Ellicott City, Maryland. We don’t just represent one car insurance carrier, we represent several, allowing us to shop for the best coverage at the best rate that fits your needs.
Required Coverage For Maryland Drivers
In the state of Maryland, all drivers are required to carry minimum auto liability coverage. Additional coverage is optional and some lenders may require additional insurance. Maryland's minimum auto liability limits are:
- Bodily Injury: $30,000/person or $60,000/accident
- Property Damage: $15,000/accident
If a driver is caught without adequate insurance, penalties may occur including loss of license plates and/or vehicle registration; fines and fees; inability to register future vehicles (until penalties are clear).
Understanding Basic Car Insurance Coverage
Auto liability insurance coverage protects you against damage done to other people or property in an accident. The minimum liability insurance requirements vary by state.
If you are involved in an accident with an uninsured motorist or a hit-and-run driver, uninsured motorist coverage will provide recovery for sustained losses. Underinsured motorist coverage typically also covers accidents with drivers who have inadequate coverage.
Personal Injury Protection
Maryland drivers have the option to waive PIP (Personal Injury Protection) coverage. Sometimes called "no fault" insurance, PIP provides reimbursement for lost income, medical expenses, funeral expenses and other related costs associated with a covered accident.
Collision coverage is not required in the state of Maryland, however, many vehicle lenders or dealers will require collision coverage for leased vehicles or cars/trucks with an outstanding loan. Collision coverage will cover damage to your own vehicle in the event of an accident.
Comprehensive coverage provides protection for your vehicle from damage by weather, fire, theft, animals, etc. Like collision coverage, this is not required by state law, however most vehicle lenders and leasing agents will require it.
Frequently Asked Questions about Auto Insurance
When purchasing automobile insurance what should I consider?
There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:
- Purchase the amount of liability coverage which makes sense for you.
- Select the optional coverages you want.
- Decide which company to purchase insurance from.
- Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.
Does my insurance policy cover a friend if I loan him/her my car
When you loan your car to a friend or an associate, he or she will usually be covered under your automobile insurance policy.
I’m going on vacation and plan to rent a car. I’ve been told my personal auto policy will cover the rental vehicle. Is this true?
The majority of auto insurance companies will extend coverage from your personal auto policy to a rental vehicle. With most policies, coverage pays for actual repairs to the rental car, but you remain responsible for your policy deductible. In addition, the rental agreement often makes you responsible for additional items.
If your personal auto policy no longer includes comprehensive or collision coverage, the rental car will not be covered if it’s stolen or damaged. In addition, if you rent a car outside of the United States, coverage may not be extended. Read more
What is collision physical damage coverage?
Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.
What is comprehensive physical damage coverage?
Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.
How can I lower my automobile insurance rates?
One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.
Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners insurance policy with the same insurance company, different groups or associations.
Discounts on Auto Insurance
Everyone wants to save money on car insurance. There are many ways that you can reduce your premium, for example, raising your deductible, or paying your policy in full annually.
As an RHH Auto Insurance agent which discounts you may qualify for:
- Multi-policy discounts; having your auto, home and other insurance policies with one carrier could qualify you for a discount on each premium
- Multi-vehicle discounts; when you insure all your vehicles with the same carrier, you may be able to take advantage of a discount
- Anti-theft features such as car alarms
- Anti-lock brakes
- Passive restraints (seat belts)
- Green vehicles (such as hybrid, electric or alternative fuel models)
- Safe driver discount; if you have a accident free driving history, you may qualify for a discount on your car insurance
- Low mileage; premiums are often reduced for drivers who put less than average mileage on their car or truck
- Military and occupational discounts; military personnel and other specific professionals may qualify for discounts
- Full payment; paying your premium in full could save you money - also ask about paperless billing or automatic payments
- Good student discount; students under 25 with good grades may qualify for discounted auto insurance
- Senior adults; there is an advantage to getting older! Some adult drivers may qualify for discounts with good driving history