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Maryland Auto Insurance

Every state presents its own set of regulations for the auto insurance industry.  Most states have an elected Insurance Commissioner that is responsible for monitoring and regulating laws to protect the consumer and the insurer.  Maryland is no exception.  While many are seeking the cheapest car insurance possible, these regulations help keep the playing field fair. 

The State of Maryland requires that all motor vehicles be covered with minimum standards of insurance in order to be legally operated, regardless of who offers the cheapest car insurance.  Maryland is one of the few states that continues to be considered a "no fault" state which requires motorists to be covered with personal injury protection.  This special coverage provides assistance for medical expenses should a motorist be injured in an accident.  Maryland also requires all drivers to have liability coverage.  This coverage compensates the other vehicle in the event of a multi-vehicle collision in which the insured is deemed responsible for the accident.  Although it is not required by state regulation, Maryland insurance regulators highly recommend that all motorists have a comprehensive collision policy.  This coverage would pay for damage that is not covered by the liability portion of the policy.

Maryland is extremely concerned about the safety of their roads.  There is, currently, a safe driving program called the "Rookie Driver Program" for new drivers.  It is made available to help lower the number of teen related auto accidents.  Participation in the program can help lower insurance rates, even among the cheapest car insurance providers.  Maryland is one of sixteen states that has been able to achieve a more than ninety percent rate of seat belt usage.  Auto related injuries in Maryland are at similar levels to what they were in 1961.  With estimated compliance levels increasing, Maryland projects as much as a twelve percent decrease in auto accident related fatalities in the coming year. 

Baltimore and Annapolis are the two major metropolitan areas.  Population is concentrated around the Washington, DC region.  With a state population around five million, good and cheapest car insurance is certainly recommended.  While accident fatalities are decreasing due to seat belt requirements, Maryland continues to boast one of the highest traffic accident rates in the country. 


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Maryland Car Insurance

Although Baltimore, Columbia, Silver Spring, Ellicott City, and Germantown are the biggest cities in Maryland cheap car insurance rates vary from city to city and rates in Dundalk may or may not be different than Rockville. Whether you live in Gaithersburg, Frederick, Towson or some other city in Maryland take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Maryland.


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