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

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

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

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

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

Mechanicsville Golden Beach Leonardtown Charlotte Hall Eagle Harbor Benedict
Average Insurance Rates $1,407 $1,382 $1,426 $1,362 $1,356 $1,387

Mechanicsville, 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 Mechanicsville, 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)
Mechanicsville $1,629 $1,376
Charlotte Hall $1,456 $1,230
Golden Beach $1,373 $1,160
Benedict $1,284 $1,085
Hughesville $1,601 $1,352
Bryantown $1,841 $1,555
Eagle Harbor $1,409 $1,190
Leonardtown $1,027 $867

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

Teenagers in Mechanicsville, 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 $4,565
20 Years $1,808
30 Years $1,392
40 Years $1,340
50 Years $1,241
60 Years $1,258
70 Years $1,464

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

Car owners in Mechanicsville, 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 $2,420 $394
3 Vehicles $3,630 $591
4 Vehicles $4,840 $788

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$788

Mechanicsville, 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 Mechanicsville, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Mechanicsville $1,407 $2,243
Charlotte Hall $1,362 $2,172
Golden Beach $1,382 $2,203
Benedict $1,387 $2,211
Hughesville $1,426 $2,274
Bryantown $1,419 $2,262
Eagle Harbor $1,356 $2,162
Leonardtown $1,426 $2,274

Mechanicsville, 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) $1,207
Excellent (740-799) $1,378
Good (670-739) $1,466
Average (580-669) $1,913
Poor (300-579) $2,295

Mechanicsville, 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
Carrie Polk Insurance Inc Nationwide 3695 Hallowing Point Rd Suite 5, Prince Frederick, 20678-3469 (410) 535-0997
Jane Staples State Farm 173 Saint Patricks Dr Ste 101, Waldorf, 20603-5530 301-932-5050
Nick Rogers State Farm 7627 Leonardtown Rd Ste 104A, Hughesville, 20637-3017 301-274-5151
Maryland Insurance Solutions Llc Travelers 8440 OLD LEONARDTOWN RD SUITE 101, HUGHESVILLE, 20637 301-274-2480
Olde Towne Insurance Agency Inc. Erie 7480 Crain Hwy, La Plata, 20646 None
Bethesda General Insurance Erie 13975 CONNECTICUT AVE STE 205, SILVER SPRING, 20906 301-654-7203
Parsons & Associates Insurance Inc. Nationwide 40955 Merchants Ln Rt 5 and Rt 243 STE 2, Leonardtown, 20650-3702 (301) 475-3036
Education Insurance Services, Inc. None 7700 Wisconsin Avenue 7700 Wisconsin Avenue, Bethesda, 20814 None
Joe Corgan State Farm 6500 Seven Locks Rd Ste 230, Cabin John, 20818-1300 301-229-4450

Mechanicsville, 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 +$62 $1,469
Driver's Failure In Showing Documents +$136 $1,543
Driving With An Expired Registration +$145 $1,552
Driving At A Considerably Slow Pace +$305 $1,712
Using A Cellphone While Driving +$322 $1,729
Running A Red Light +$328 $1,735
Speeding +$345 $1,752
Driving A Vehicle Without The Required Permission +$438 $1,845
Driving With An Expired/Suspended License +$948 $2,355

Mechanicsville, 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 $1,351
Active Disabling Device $1,351
Tracking Device $1,323
Passive Disabling Device $1,309