The Best Solution for Your Baltimore Auto Insurance Needs

Auto InsuranceDon'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 protection (PIP)

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 protect you.

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 an accident.

  • 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 falling rocks.

  • 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

auto insuranceDeductibles 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 repair.

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 insurance.

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, ensuring you get the best coverage deal at highly competitive rates.

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!