Buying Maryland auto insurance coverage is not something that you do once and then forget about. Your needs will change over time, and you should be reviewing your coverage annually to make sure that you are adequately protected.
Experts will recommend that you buy as much insurance coverage as you can afford. The idea behind buying auto insurance is that you have it in place to protect your assets, and as you accumulate them over time you will need to have more coverage in place.
To keep costs down, you should be getting quotes from multiple companies before your current policy comes up for renewal. Mark your calendar and plan to start your search a couple of months in advance.
Many car insurance providers offer free online quotes and you can get pricing information by filling out an online form or contacting the company directly. Once you have the quotes in hand, take the time to study them carefully to confirm that all of them are for the same type and level of coverage.
If your current provider can give you the best deal, then you don’t need to do anything. On the other hand, if you find lower rates elsewhere, you should buy the new policy and make sure that it is in force before you cancel your existing one. That way, you aren’t left with a gap in coverage.