The Best Solution for Your Baltimore Auto Insurance Needs
Don't you just hate that you have to buy auto insurance? But there's
something worse: If you don’t have it and you cause a crash, it could cost
you hundreds of thousands -- yes hundreds of thousands -- of dollars.
That's in addition to the pain and anguish resulting from bodily injury and
the damage to your and others' vehicles.
And here's something you may not know: Some car owners get ripped off when
they buy their auto insurance by going with the wrong insurer or failing to
get the coverage they need.
Set all those worries aside by calling in the experts at Kirby Insurance Agency -- the trusted source for car insurance for Baltimore, Ellicott City and beyond for
more than 80 years.
Let's take a closer look at how we can help you.
Is Auto Insurance Required in Maryland?
Yep. Every on-road driver in this state needs car insurance. It's the law.
You must have coverage for bodily injury and property damage (collectively
known as liability coverage), uninsured drivers who
involve you in an accident and a limited level of personal injury
But there's more to it than this. Sadly, Baltimore rates as one of the most
accident-prone cities in the US for auto crashes. The risk of being in a
crash are higher than almost anywhere else.
It's not just the law but also commonsense to have good insurance to
Auto Insurance Basics
In addition to the mandatory requirements listed above, there are several
types of car insurance that provide valuable additional protection.
- Extra coverage to protect you if an at-fault driver is underinsured --
that is, they don’t have enough coverage to meet all the costs relating to
- Additional PIP coverage (see above) for things like lost wages.
- Collision damage to your car whether caused by another auto or by
property you hit.
- Comprehensive protection against risks like theft, fire, vandalism and
- Windshield protection, which may form part of a standard policy.
Do I Need Full Coverage Auto Insurance?
Do you need all this coverage? If, so, how much? Let's talk, so we can
explore and explain.
How Auto Insurance Deductibles Work
Deductibles are amounts you have to pay out of your own pocket before your
insurance kicks in when you're making a claim.
They're the norm with auto insurance -- at least for the first couple
hundred dollars but they can be more. Sometimes, deductibles are waived and
the insurance company picks up the whole bill for things like windshield
Often, if you opt for a higher deductible, we can save you big money on
your Baltimore, Abingdon and beyond car insurance premium.
Does Auto Insurance Cover Rental Cars?
If you have liability, PIP and comprehensive coverage in your Baltimore
auto insurance policy, you likely don't need to also pay again for this
protection when you rent a car.
However, if the value of the car you're renting is significantly higher
than the one you own, you may need this extra insurance.
The same might also apply for coverage of any personal possessions you take
with you -- though that may also be protected under your homeowners
Want to know for sure? If you're a Kirby Insurance Agency client, give us a call and we'll
let you know what you need and don’t need to pay for.
How Does Credit Score Affect Auto Insurance?
Your credit score doesn’t directly affect the rate you pay for your
Baltimore car insurance… BUT insurers may use another type of scoring system that is based on the
likelihood of you making a claim.
Why Kirby Insurance Is Your Baltimore Car Insurance Solution
As an independent insurance agency, we work with all the leading auto
insurers in the state of Maryland, ensuring you get the best coverage deal at highly
Plus, we're right here in Baltimore, not a faceless phone or Internet-based
company. If you want face-to-face, caring personal service as well as
outstanding value, Kirby Insurance Agency is the solution.
No need to waste time shopping around for the best rates or worrying what
type of insurance you need when we have the answers right here. Contact us
now at 1-800-371-6439 or fill out the form on this page for a fast, no obligation, Baltimore auto insurance quote.
Ask us about bundling your auto insurance with your home insurance for additional discounts!