Herald Harbor Auto Insurance Rates, Quotes, Agents & Reviews in MD

Herald Harbor, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Herald Harbor, 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 Herald Harbor, 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.


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

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

Herald Harbor Crownsville Severna Park Parole Arden on the Severn Anne Arundel County
Average Insurance Rates $1,442 $1,424 $1,492 $1,448 $1,418 $1,365

Herald Harbor, 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 Herald Harbor, 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)
Herald Harbor $1,095 $925
Arden on the Severn $1,355 $1,145
Crownsville $2,299 $1,942
Severna Park $1,131 $955
Anne Arundel County $1,913 $1,616
Arnold $1,046 $884
Parole $1,949 $1,646
Gambrills $1,353 $1,143

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

Teenagers in Herald Harbor, 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 $4,679
20 Years $1,853
30 Years $1,427
40 Years $1,373
50 Years $1,272
60 Years $1,289
70 Years $1,501

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

Car owners in Herald Harbor, 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 $2,509 $375
3 Vehicles $3,764 $562
4 Vehicles $5,018 $750

Savings on 2 Vehicles bundle:$375

Savings on 3 Vehicles bundle:$562

Savings on 4 Vehicles bundle:$750


Herald Harbor, 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 Herald Harbor, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Herald Harbor $1,442 $2,299
Arden on the Severn $1,418 $2,261
Crownsville $1,424 $2,270
Severna Park $1,492 $2,379
Anne Arundel County $1,365 $2,176
Arnold $1,448 $2,309
Parole $1,448 $2,309
Gambrills $1,459 $2,326

Herald Harbor, 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) $1,237
Excellent (740-799) $1,412
Good (670-739) $1,503
Average (580-669) $1,960
Poor (300-579) $2,352

Herald Harbor, 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
Patrick Cloyd State Farm 1406b Crain Hwy S Ste 201, Glen Burnie, 21061-4336 410-766-4488
Grady Wright & Associates Inc Travelers 7310 Ritchie Highway Suite 213 , Glen Burnie, 21061 (410) 660-2795
Thomas Sperli Allstate 8039 Ritchie Hwy Ste B, Pasadena, 21122 (410) 761-8873
Kurek Insurance Associates Inc Travelers 1997 ANNAPOLIS EXCHANGE PKWY STE 300, ANNAPOLIS, 21401 301-855-5027
Adam Lurz Allstate 3327 Superior Ln Ste 202, Bowie, 20715 (301) 805-1800
Richard Ashburn State Farm 8131 Ritchie Hwy Ste H, Pasadena, 21122-6940 410-647-5050
First Insurance Services Erie 166 West Street, Annapolis, 21401 None
Bye Insurance Agency Inc Nationwide 238 Ritchie Hwy, Severna Park, 21146-1908 (410) 544-4300
Graham Insurance Agency Travelers 1515 NORTH FULTON AVE, BALTIMORE, 21217 410-225-3500
Graham Insurance Agency Travelers 1515 NORTH FULTON AVE, BALTIMORE, 21217 410-225-3500
Ajr Insurance Llc Erie 1517 Reisterstown Road Suite 203, Pikesville, 21208 None

Herald Harbor, 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 +$63 $1,505
Driver's Failure In Showing Documents +$140 $1,582
Driving With An Expired Registration +$149 $1,591
Driving At A Considerably Slow Pace +$313 $1,755
Using A Cellphone While Driving +$330 $1,772
Running A Red Light +$336 $1,778
Speeding +$353 $1,795
Driving A Vehicle Without The Required Permission +$448 $1,890
Driving With An Expired/Suspended License +$972 $2,414

Herald Harbor, 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 $1,384
Active Disabling Device $1,384
Tracking Device $1,355
Passive Disabling Device $1,341