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

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

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


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

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

Spencerville Burtonsville Fulton Layhill Fairland Ashton-Sandy Spring
Average Insurance Rates $1,480 $1,427 $1,540 $1,442 $1,392 $1,553

Spencerville, 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 Spencerville, 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)
Spencerville $1,933 $1,633
Cloverly $1,920 $1,622
Ashton-Sandy Spring $1,933 $1,633
Burtonsville $1,786 $1,509
Fairland $1,896 $1,602
Colesville $1,381 $1,167
Layhill $1,883 $1,590
Fulton $1,918 $1,620

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

Teenagers in Spencerville, 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 $4,802
20 Years $1,902
30 Years $1,465
40 Years $1,409
50 Years $1,305
60 Years $1,323
70 Years $1,540

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

Car owners in Spencerville, 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 $2,605 $355
3 Vehicles $3,907 $533
4 Vehicles $5,210 $710

Savings on 2 Vehicles bundle:$355

Savings on 3 Vehicles bundle:$533

Savings on 4 Vehicles bundle:$710


Spencerville, 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 Spencerville, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Spencerville $1,480 $2,360
Cloverly $1,469 $2,342
Ashton-Sandy Spring $1,553 $2,476
Burtonsville $1,427 $2,275
Fairland $1,392 $2,219
Colesville $1,455 $2,320
Layhill $1,442 $2,299
Fulton $1,540 $2,455

Spencerville, 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) $1,270
Excellent (740-799) $1,449
Good (670-739) $1,542
Average (580-669) $2,012
Poor (300-579) $2,414

Spencerville, 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 +$65 $1,545
Driver's Failure In Showing Documents +$144 $1,624
Driving With An Expired Registration +$152 $1,632
Driving At A Considerably Slow Pace +$321 $1,801
Using A Cellphone While Driving +$339 $1,819
Running A Red Light +$345 $1,825
Speeding +$363 $1,843
Driving A Vehicle Without The Required Permission +$460 $1,940
Driving With An Expired/Suspended License +$998 $2,478

Spencerville, 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 $1,421
Active Disabling Device $1,421
Tracking Device $1,391
Passive Disabling Device $1,376