Cottage City Auto Insurance Rates, Quotes, Agents & Reviews in MD

Cottage City, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cottage City, MD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Cottage City, MD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Cottage City, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cottage City, MD with that of other cities in and around Cottage City.

Cottage City Brentwood Edmonston Colmar Manor Bladensburg Mount Rainier
Average Insurance Rates $1,350 $1,367 $1,349 $1,339 $1,330 $1,386

Cottage City, MD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cottage City, MD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cottage City $1,166 $985
North Brentwood $1,427 $1,205
Brentwood $1,785 $1,508
Colmar Manor $2,058 $1,738
Mount Rainier $1,739 $1,469
Edmonston $1,474 $1,245
Bladensburg $2,079 $1,756
Hyattsville $1,009 $853

Cottage City, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cottage City, MD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,381
20 Years $1,735
30 Years $1,336
40 Years $1,285
50 Years $1,190
60 Years $1,207
70 Years $1,405

Cottage City, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cottage City, MD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,295 $405
3 Vehicles $3,443 $608
4 Vehicles $4,590 $810

Savings on 2 Vehicles bundle:$405

Savings on 3 Vehicles bundle:$608

Savings on 4 Vehicles bundle:$810


Cottage City, MD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cottage City, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Cottage City $1,350 $2,152
North Brentwood $1,367 $2,179
Brentwood $1,367 $2,179
Colmar Manor $1,339 $2,135
Mount Rainier $1,386 $2,210
Edmonston $1,349 $2,151
Bladensburg $1,330 $2,120
Hyattsville $1,384 $2,207

Cottage City, MD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,158
Excellent (740-799) $1,322
Good (670-739) $1,407
Average (580-669) $1,835
Poor (300-579) $2,202

Cottage City, MD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$59 $1,409
Driver's Failure In Showing Documents +$131 $1,481
Driving With An Expired Registration +$139 $1,489
Driving At A Considerably Slow Pace +$293 $1,643
Using A Cellphone While Driving +$309 $1,659
Running A Red Light +$315 $1,665
Speeding +$331 $1,681
Driving A Vehicle Without The Required Permission +$420 $1,770
Driving With An Expired/Suspended License +$910 $2,260

Cottage City, MD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,296
Active Disabling Device $1,296
Tracking Device $1,269
Passive Disabling Device $1,256