What Every New Driver Should Know About Maryland Auto Insurance
What Every New Driver Should Know About Maryland Auto Insurance
While every state in the U.S. requires that all drivers be insured, the exact auto insurance requirements vary from state to state. A first time Maryland driver should familiarize him or herself with Maryland auto insurance requirements and be sure to purchase at least the minimum insurance required by law. As of January 1, 2001, Maryland requires that every driver take out at least $30,000 in bodily injury coverage per person and $15,000 in property damage coverage.
There are also other types of coverage that are beneficial to a vehicle owner. While these types of coverage are not required by law, they can in many instances be good to obtain. First of all, it is important to realize that bodily injury coverage will only cover a third party that has been injured in an accident, not the policyholder. A driver that does not want to be left in a fix should he or she get hit by a car should consider taking out personal injury protection coverage. Uninsured and underinsured motorist coverage is also highly recommended. Unfortunately, not all drivers abide by the law; many drive without proper insurance coverage. Uninsured and underinsured motorist coverage will cover the policyholder's medical and car repair bills if he or she is hit by a driver who does not have proper insurance coverage.
Maryland auto insurance agencies offer these and other types of auto coverage. A first time driver will likely find that auto insurance is quite pricey. However, as a driver gets older and maintains a good driving record, the insurance costs will go down. It is advisable for a driver to shop around a bit when choosing an insurance company. Not all insurance companies charge the same; by looking around and comparing prices a driver can often get a good deal on car insurance.
A new female driver should consider finding a women's auto insurance company. Such companies cater to female drivers and offer better prices than regular insurance companies offer. While women driver jokes still abound, insurers have in fact discovered that young women drivers are less prone to dangerous driving and road rage than their male counterparts are. A women's auto insurance company will offer good insurance deals to women who do not list a male driver on the policy.
A first time driver in the state of Maryland should start by getting minimum Maryland auto insurance. Law in this state requires bodily injury coverage and property liability coverage. Other insurance policy options should also be considered on an individual basis. It is also important to find an insurance company that not only offers good prices but also has a good track record for paying out claims on time. Working with a good insurance company can give a new driver peace of mind that he or she is properly covered should an unfortunate incident occur.
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