Auto Insurance and Much More for Columbia and Ellicott City, MD

Car Insurance MDOf course, you have plenty of choices when you want to insure your car in Howard County. But when you're looking for an agent that knows the area, who works with multiple insurers to get you the best prices, and who will be here for all your other insurance questions and support, turn to Kirby Insurance Agency.

We offer affordable auto insurance tailored to the needs of residents in Columbia and Ellicott City, built on a reputation that stretches back more than 80 years in Maryland.

We're an independent agency, which means that we're not tied to any particular insurance carrier. And that means we can save you the hassle of shopping around to secure the best rates.

For example, you may not know that certain models attract higher insurance rates than others, or that different insurers charge different rates for the same coverage. Or that small differences in policy wording can significantly affect the scope of your car insurance coverage.

No worries. At Kirby Insurance, our team of experts will help you find the Ellicott City and Columbia car insurance that's exactly right for you.

What Kind of Car Insurance Do I Need?

Car insuranceIt's illegal to drive without auto insurance in Maryland. The mandatory minimum coverage requirement calls for liability insurance for injury or damage you cause to other people and their property, plus uninsured driver coverage.

Your other options include:

  • Personal injury protection (PIP) which insures you against the cost of personal injury no matter who's at fault.
  • Collision coverage to protect you against the cost of damage to your vehicle in an accident where you're to blame.
  • Comprehensive auto insurance, which covers you against the cost of loss or damage to your vehicle that's not caused by a collision -- for example through vandalism, fire or theft.
  • Windshield insurance to specifically protect you against a damaged or broken windshield -- although this may be included elsewhere in your policy.

Why Do I Need Kirby Insurance?

An insurance agent can provide you with much more than just the coverage you need for your auto.

Kirby Insurance's Columbia and Ellicott City car insurance team can also help you by:

  • Saving money by identifying the most competitive rates and then securing further potential discounts -- for instance:
    • when you have more than one policy with the same insurance carrier, like homeowners insurance or renters insurance
    • when you agree to a higher deductible (the amount you pay out of your own pocket before the insurance kicks in)
    • where your car is stored
    • any additional security protection you have
  • Answering your insurance-related questions including any special requirements relating to high risk insurability.
  • Providing insurance for high value, antique and collectible vehicles.
  • Providing support and advocacy if you need to make a claim on your auto insurance policy.
  • Offering umbrella insurance to add to your main coverage if the limits of your standard policy are breached.
  • Keeping your coverage under regular review to ensure you're always getting the best deal.

Get Your No Risk, Free Car Insurance Quote Now

There's no need to look any further for your auto insurance in Howard County, when Kirby Insurance Agency likely already has the solution.

You can find out now, for free and without any obligation, by simply requesting a quote. Do that now and we'll get back to you quickly with quotes.

Or, if you have another question about car insurance in Ellicott City or Columbia, just call us. We're standing by.  Fill out our free quote form on this page or give us a call at 1-800-371-6439.