What Insurance Discounts are Available and How do you Qualify for Them in Maryland?

You know that you need auto insurance if you want to drive legally in Maryland. You know that mortgage lenders in Laurel, MD, won’t provide you with mortgage money if you don’t first take out a homeowners insurance policy. And you know that your family won’t be financially protected if you should die without first obtaining a solid life insurance policy.

But you also know that these are tough economic times, and that you have few dollars to spare on costly insurance payments. Fortunately, insurance companies offer a variety of significant discounts to customers. By working with an independent insurance agent, you can determine what insurance discounts you qualify for.

For instance, Laurel drivers who have a clean driving record free of accidents or speeding tickets will qualify for reduced auto insurance rates. Those Maryland residents who don’t smoke, don’t drink in excess and maintain a healthy weight will qualify for life insurance discounts. Consumers might qualify for a lower homeowners insurance rate if they install a home security system to protect their residences from home burglaries. Consumers who take public transportation to work instead of driving, thereby lowering the number of miles they drive each week, will also qualify for auto insurance discounts.

And consumers will always qualify for discounts by taking out more than one insurance policy with the same company. Insurance companies, of course, want their customers to do as much business with them as possible. Clients, then, who take out both homeowners and auto insurance from the same company will qualify for insurance discounts from that company.

How do you qualify for discounts on insurance policies? The best way to find out is to work with an experienced independent insurance agent. These professionals know the insurance business, and have a long history of helping customers in Maryland qualify for discounts. You know you need insurance. But there’s no reason to pay more for this coverage than necessary.