Best cheap car insurance quotes in Easton
Drivers must carry coverage that meets the state minimum requirements
in Maryland, whether they’re in Easton or Baltimore. Many drivers will benefit from bumping up their liability coverage, or purchasing full coverage—although it’s not strictly necessary under state law. Cheap minimum liability insurance quotes in Easton
You must carry at least 30/60/15 liability coverage in Maryland. Here’s what that means:
$60,000 bodily injury liability per accident
This is the bare minimum under state law, and it’s the cheapest way to get coverage in Easton. You can exceed this amount of liability coverage, but you can’t go below it. Companies won’t offer you a policy that goes below these levels.
Furthermore, Maryland requires all drivers to carry uninsured/underinsured motorist coverage (UM/UIM)
. You’ll be offered $2,500 of personal injury protection (PIP)
coverage in Maryland, but you’re allowed to waive it. Check out these quotes from real drivers who found minimum coverage in Maryland through Jerry.
Coverage
State Minimum
Easton, MD
(Zip Code: 21601) Do you need more than minimum coverage in Easton?
You can legally get behind the wheel in Maryland with 30/60/15 in liability coverage and UM/UIM. However, this level of coverage might not be enough to protect you and your assets in the event of a serious collision.
Liability coverage kicks in when you cause an at-fault accident, and it pays for the other party’s injuries and damages. If the person’s hospital stay exceeds your policy’s limit of $60,000, you’re still on the hook for those additional charges. You’ll also have to replace their vehicle—and if it was brand new, it will definitely cost more than your policy’s $15,000 limit.
Experts recommend that you purchase as much liability coverage as you can afford, either 100/300/100 or 50/100/50. Your monthly cost won’t increase by more than a few dollars, but your assets will be far more protected and you’ll have peace of mind.
Finally, what about your own medical costs and recovery bills? If you choose to keep PIP, you’ll have about $2,500 for yourself and your passengers—but that may not be enough, even if you have additional health insurance or Medicare.
Full coverage
policies are the only way to protect you and your property in an accident. Cheap full coverage car insurance quotes in Easton
Full coverage is optional for most drivers in Maryland. However, note that some lenders can require borrowers to carry full coverage on financed vehicles until their loan is paid off.
Full coverage includes both comprehensive
and collision
coverage: Comprehensive coverage: If your vehicle suffers non-collision damage (like theft vandalism, or falling trees), this policy will pay out.
Collision coverage: If your vehicle is damaged in a collision (like a car crash, hitting an animal, or hitting a mailbox), this coverage will kick in to repair or replace the car.
Both these policies are subject to a deductible, which is a cash payment you must pay before the policy coverage kicks in.
Full coverage in Easton ranges in cost by provider. See example costs below.
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $493 | | Mercedes-Benz CLA 250 4matic |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $112 | | Lincoln MKC |
• 50,000/100,000 Liability • Comp / Collision | National General | $88 | | Toyota Avalon XL |
Last Updated Oct 22, 2024
If you’re hunting for a policy for yourself, use a comparison app to simplify things. Jerry can pull up custom quotes in 45 seconds right on your smartphone in a user-friendly, free platform.
Finding cheap full coverage is as easy as entering your zip code, comparing policies, and signing up.