The Fastest, Surest Route to Great Auto Insurance in Prince George's

auto insurance MDDid you know there can be hundreds or even thousands of dollars difference between the same or similar auto insurance policies from different insurance companies?

But choosing between them is not straightforward because some charge more for one type of policy and less for another, so you can't always say one insurance carrier or another is the cheapest overall.

So, when it's time to renew your car insurance, or if you're just buying your first policy, why not enlist the help of experts who have all those different rates at their fingertips?

That's what Kirby Insurance Agency is here for in Prince George's County and across Maryland. We've been helping to insure drivers for more than 80 years -- and we likely can secure a great deal for you.

What Type of Auto Insurance Do I Need?

Is auto insurance required in Maryland? Yes, you can’t drive without auto insurance in our state -- it's the law. But, in addition to the coverage you MUST have, there are a number of options that provide extra coverage.

The main parts of a car insurance policy are:

  • Liability insurance. This is the compulsory bit because it protects you against costs relating to injuries and damage you cause to others. In a serious accident, these costs can run into hundreds of thousands of dollars in medical fees and lawsuit settlements.

  • In Maryland, the law also requires you to have uninsured motorist coverage. This means that you're protected if you're on the receiving end of an accident caused by someone else who isn't insured.

  • With some exceptions, you also must have Personal Injury Protection (PIP), which pays for medical expenses for you and your passengers, plus loss of earnings.

Additional options include:

  • Collision insurance, which covers the costs of repairs to your car if you're in a crash (either with another car or an object)

  • Comprehensive insurance, which protects you against fire, theft, flood, vandalism and other type of non-auto damage to your own vehicle.

Auto Insurance MDCollision and comprehensive insurance only cover you for the current market value of your car, not for what you paid for it. So, if you have a low value vehicle, it may not be worth buying this type of insurance.

On the other hand, if you lease your vehicle or have significant finance outstanding, you may be required to have auto insurance full coverage

How Can Kirby Insurance Agency Help Me?

If you live in Prince George's County -- Beltsville, Bowie, Greenbelt, Hyattsville, Upper Marlborough and beyond -- we have a team of car insurance specialists ready to help you get the best coverage at the best price.

Being an independent agency means we work with all the major Maryland car insurance carriers. We know their rates and who offers the best coverage for different categories of drivers.

Furthermore, we can often find valuable discounts -- for example, if you agree to pay a high deductible out of your own pocket first when you make a claim; or if you have more than one policy with the same company; or if you want to insure several vehicles.   You can also combine your home insurance policy with your auto insurance policy for deeper discounts.

We're also here on the ground to answer your questions and provide guidance or support if you're in an accident and need to make a claim. That can significantly strengthen your chances of a smooth claims process that delivers the maximum payout.

No Risk, Free Quote

Want to know more? Visit or call us -- or contact us through this web page.

We can answer your auto insurance questions and provide you with a fast quote, simply fill out the form on this page or call us at 1-800-371-6439.

There's no cost or obligation to take up the bid, so why not do it right now? It's the fastest, surest way of getting the car insurance coverage you need.