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

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

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

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

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

Smithsburg Chewsville Jugtown Edgemont Cavetown Greensburg
Average Insurance Rates $1,357 $1,343 $1,410 $2,048 $1,348 $1,355

Smithsburg, 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 Smithsburg, 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)
Smithsburg $1,370 $1,157
Cavetown $1,594 $1,347
Greensburg $1,367 $1,154
Pondsville $2,066 $1,745
Edgemont $2,109 $1,782
Chewsville $1,583 $1,337
Jugtown $1,732 $1,463
Leitersburg $1,608 $1,358

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

Teenagers in Smithsburg, 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 $4,403
20 Years $1,744
30 Years $1,343
40 Years $1,292
50 Years $1,197
60 Years $1,213
70 Years $1,412

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

Car owners in Smithsburg, 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 $2,361 $353
3 Vehicles $3,542 $529
4 Vehicles $4,722 $706

Savings on 2 Vehicles bundle:$353

Savings on 3 Vehicles bundle:$529

Savings on 4 Vehicles bundle:$706

Smithsburg, 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 Smithsburg, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Smithsburg $1,357 $2,164
Cavetown $1,348 $2,149
Greensburg $1,355 $2,160
Pondsville $2,006 $3,198
Edgemont $2,048 $3,265
Chewsville $1,343 $2,141
Jugtown $1,410 $2,248
Leitersburg $1,347 $2,148

Smithsburg, 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) $1,164
Excellent (740-799) $1,329
Good (670-739) $1,414
Average (580-669) $1,845
Poor (300-579) $2,213

Smithsburg, 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
Deborah Wallace Allstate 36 W Frederick St, Walkersville, 21793 (301) 898-5377
Brian Isemann Farmers 120 W Church St Ste D, Frederick, 21701 (301) 378-2923
Cumberland Valley Insurance Inc. Erie 18537 Maugans Avenue, Hagerstown, 21742 None
Tim Panther State Farm 222 East Oak Ridge Drive, Hagerstown, 21740-7873 301-733-1712
Insurance Brokers Of Md- Hagerstown Llc Liberty Mutual Independent 13126 Pa Ave, HAGERSTOWN, 21742 (301) 790-0652
Bitner-Henry Insurance Agency, Inc. None 401 E Antietam St, Ste B, Hagerstown, 21740 None
Larry Michaels State Farm 17753 Virginia Ave, Hagerstown, 21740-7071 301-791-2929
Crawford Yingling Inc Travelers 58 W MAIN ST, WESTMINSTER, 21158 410-848-7464
Kevin Swanson State Farm 111 Mount Carmel Rd Ste 400, Parkton, 21120-9791 410-357-9330
Insurance Incorporated Liberty Mutual Independent 10461 MILL RUN CIR STE 1000, OWINGS MILLS, 21117 (410) 753-1900
Pom Ins Llc Travelers 19909 BENTLEY RIDGE CT, PARKTON, 21120 443-878-7417

Smithsburg, 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 $1,417
Driver's Failure In Showing Documents +$132 $1,489
Driving With An Expired Registration +$140 $1,497
Driving At A Considerably Slow Pace +$294 $1,651
Using A Cellphone While Driving +$311 $1,668
Running A Red Light +$316 $1,673
Speeding +$332 $1,689
Driving A Vehicle Without The Required Permission +$422 $1,779
Driving With An Expired/Suspended License +$915 $2,272

Smithsburg, 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 $1,303
Active Disabling Device $1,303
Tracking Device $1,276
Passive Disabling Device $1,262