Fountainhead-Orchard Hills Auto Insurance Rates, Quotes, Agents & Reviews in MD

Fountainhead-Orchard Hills, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Fountainhead-Orchard Hills, 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 Fountainhead-Orchard Hills, 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.


Fountainhead-Orchard Hills, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Fountainhead-Orchard Hills, MD with that of other cities in and around Fountainhead-Orchard Hills.

Fountainhead-Orchard Hills Middleburg Cearfoss Hagerstown State Line Maugansville
Average Insurance Rates $1,361 $2,100 $1,346 $1,017 $1,436 $1,342

Fountainhead-Orchard Hills, 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 Fountainhead-Orchard Hills, 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)
Fountainhead-Orchard Hills $1,376 $1,162
Paramount-Long Meadow $1,166 $985
Maugansville $1,752 $1,480
Middleburg $2,163 $1,827
Reid $1,873 $1,582
State Line $1,567 $1,323
Cearfoss $1,613 $1,362
Hagerstown $1,314 $1,110

Fountainhead-Orchard Hills, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Fountainhead-Orchard Hills, 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 $4,416
20 Years $1,749
30 Years $1,347
40 Years $1,296
50 Years $1,200
60 Years $1,217
70 Years $1,416

Fountainhead-Orchard Hills, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Fountainhead-Orchard Hills, 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 $2,395 $327
3 Vehicles $3,593 $490
4 Vehicles $4,791 $653

Savings on 2 Vehicles bundle:$327

Savings on 3 Vehicles bundle:$490

Savings on 4 Vehicles bundle:$653


Fountainhead-Orchard Hills, 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 Fountainhead-Orchard Hills, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Fountainhead-Orchard Hills $1,361 $2,170
Paramount-Long Meadow $1,371 $2,186
Maugansville $1,342 $2,140
Middleburg $2,100 $3,348
Reid $1,818 $2,899
State Line $1,436 $2,260
Cearfoss $1,346 $2,146
Hagerstown $1,017 $1,621

Fountainhead-Orchard Hills, 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) $1,168
Excellent (740-799) $1,333
Good (670-739) $1,418
Average (580-669) $1,850
Poor (300-579) $2,220

Fountainhead-Orchard Hills, MD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jean Shank Insurance Associates Inc. Erie 703 Oak Hill Avenue, Hagerstown, 21740 None
Dan Hall State Farm 816 Virginia Ave, Hagerstown, 21740-6256 240-420-AUTO
Hills Insurance Agency Inc. Erie 13022 Pennsylvania Avenue, Hagerstown, 21742 None
Lauren Kolberg State Farm 13126 Pennsylvania Avenue Suite 101, Hagerstown, 21742-2757 301-790-1600
Claudia Lara State Farm 108 W Main St, New Market, 21774-6204 301-865-1100
Valen R Meadows Nationwide 1185 Mt Aetna Rd STE 100, Hagerstown, 21740 (301) 739-3614
Joshua Kling Allstate 721 Hanover Pike, Hampstead, 21074 (410) 988-4099
Klinger & Associates Inc. Erie 19785 Crystal Rock Drive 19785 Crystal Rock Drive, Germantown, 20874 None
Liberty Preferred Insurance Group Llc Erie 2028 LIBERTY RD STE 200, ELDERSBURG, 21784 410-552-0403

Fountainhead-Orchard Hills, 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 +$60 $1,421
Driver's Failure In Showing Documents +$132 $1,493
Driving With An Expired Registration +$140 $1,501
Driving At A Considerably Slow Pace +$295 $1,656
Using A Cellphone While Driving +$312 $1,673
Running A Red Light +$317 $1,678
Speeding +$333 $1,694
Driving A Vehicle Without The Required Permission +$423 $1,784
Driving With An Expired/Suspended License +$917 $2,278

Fountainhead-Orchard Hills, 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 $1,307
Active Disabling Device $1,307
Tracking Device $1,279
Passive Disabling Device $1,266