Planning pays. Take Columbia, Maryland, a 14,000-acre planned community located within easy commuting distance of both Baltimore and Washington D.C. Columbia's attractive blend of housing, retail, offices and schools has earned it a spot several times on Money magazine's list of best places to live in the U.S. When you're shopping around for Columbia, MD insurance quotes for your car or your home, careful planning of your requirements will help you find the most competitively priced policies.
Exclusions for Columbia, MD InsuranceIt's important to know what types of insurance coverages you're required to have and what additional policies or policy riders you may want to purchase. Don't assume that a policy will have all the coverages that you want or need. For example, even the broad forms of homeowner's insurance policies (known as H0-3 forms) don't pay for damages caused by water (including flood and sewer backups) or by earth movements (such as earthquakes, landslides or sinkholes).
Maryland requires that automobiles and other vehicles have insurance coverage of $20,000 for bodily injury per person, $40,000 for bodily injury for two or more people, and $15,000 for property damage. But you may want a policy that also includes uninsured motorist coverages (pays for injuries caused by an uninsured driver or a hit-and-run driver) or comprehensive coverage that covers damage from severe weather and vandalism.
How to Get the Best Columbia, MD Insurance Quotes
For comparison purposes, you might want to know that Maryland vehicle owners paid an average premium of $922 for automobile coverages in 2007, according to figures compiled by the National Association of Insurance Commissioners. That makes their premium payments 13th highest in the nation.
The news was better for homeowners, since the average $692 premium paid in 2007 puts them at 31st highest in the U.S.
The cost of your own Columbia, MD insurance policies will depend on your circumstances. The type of car you drive, the number of miles you travel each year, your driving record, plus your age, gender and marital status will all impact the rate that an automobile insurer charges you. Homeowners will pay premiums based on the age of the house, the type of construction and distance from fire hydrant or fire station among other things.
When you're searching for Columbia, MD insurance quotes, check if insurers offer any premium discounts. Some companies will reduce your premiums if you purchase both auto and homeowner's coverage from them. One of the biggest ways to reduce premiums is to increase your deductible to $1,000 or more. That single change could cut your premiums up to 25 percent.
Plan on a Quick Search for Columbia, MD Insurance QuotesOnce you've planned what insurances you want, finding the best insurance policies is pretty easy. Simply go to NetQuote.com, fill out a single form, and wait for NetQuote to send you quotes from five of the leading insurance companies in the Columbia area. There's no need to visit or call several agents or fill out multiple forms; NetQuote makes your search fast and efficient. You can't plan a better way to get great insurance quotes for your home and your vehicle.