Dunkirk Auto Insurance Rates, Quotes, Agents & Reviews in MD

Dunkirk, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Dunkirk, 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 Dunkirk, 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.

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

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

Dunkirk Friendship Croom Owings North Beach Marlton
Average Insurance Rates $1,451 $1,416 $1,447 $1,463 $1,395 $1,375

Dunkirk, 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 Dunkirk, 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)
Dunkirk $1,339 $1,131
Owings $1,984 $1,676
Croom $1,890 $1,596
Friendship $1,349 $1,140
Baden $1,405 $1,187
Marlton $1,085 $916
Chesapeake Beach $1,529 $1,291
North Beach $1,293 $1,092

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

Teenagers in Dunkirk, 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 $4,708
20 Years $1,864
30 Years $1,436
40 Years $1,382
50 Years $1,279
60 Years $1,297
70 Years $1,510

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

Car owners in Dunkirk, 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 $2,554 $348
3 Vehicles $3,831 $522
4 Vehicles $5,108 $696

Savings on 2 Vehicles bundle:$348

Savings on 3 Vehicles bundle:$522

Savings on 4 Vehicles bundle:$696

Dunkirk, 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 Dunkirk, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Dunkirk $1,451 $2,313
Owings $1,463 $2,333
Croom $1,447 $2,307
Friendship $1,416 $2,258
Baden $1,428 $2,277
Marlton $1,375 $2,192
Chesapeake Beach $1,395 $2,224
North Beach $1,395 $2,224

Dunkirk, 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) $1,245
Excellent (740-799) $1,421
Good (670-739) $1,512
Average (580-669) $1,973
Poor (300-579) $2,367

Dunkirk, 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 +$64 $1,515
Driver's Failure In Showing Documents +$141 $1,592
Driving With An Expired Registration +$149 $1,600
Driving At A Considerably Slow Pace +$315 $1,766
Using A Cellphone While Driving +$332 $1,783
Running A Red Light +$338 $1,789
Speeding +$355 $1,806
Driving A Vehicle Without The Required Permission +$451 $1,902
Driving With An Expired/Suspended License +$978 $2,429

Dunkirk, 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 $1,393
Active Disabling Device $1,393
Tracking Device $1,364
Passive Disabling Device $1,349