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Auto Insurance Information
Auto Insurance in La Plata, MD and Waldorf, MD
GOOD DRIVERS ARE RESPONSIBLE DRIVERS.
Though geographically small, Maryland is highly populated, not to mention home to some of the most traveled interstate corridors in the United States. In many areas, it is famous for its traffic congestion. Drivers are well advised to watch out for their own safety whenever they get on the road.
But being a safe driver doesn’t make you immune to accident risks. Driving is dangerous and owning a vehicle is costly, which is why you need strong financial backing in case you ever face trouble behind the wheel. That’s where auto insurance can come in handy.
At John L. Sprague Agency, we take pride in providing quality personal insurance solutions and financial services to all southern Maryland families. Call us today at (301) 934-6010 or click here to request a free, no-obligation policy quote.
Common Auto Insurance Questions
Why is auto insurance important?
No driver is perfect, and we’re all susceptible to the numerous risks and liabilities that come with owning and operating a car. Any vehicle problem, especially an unexpected one, is going to be costly.
That’s why you need the financial support provided by auto insurance. It’s there to help you weather the storm of unexpected, unavoidable vehicle problems ranging from wrecks to accident lawsuits. Coverage is required by law in Maryland, so if you want to keep your driving, you always need coverage.
How much auto insurance do I need?
Your auto insurance needs are unique, and you want your policy to be tailored specifically to you and your vehicle. Policies can offer numerous benefits, including:
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
There are numerous other benefits that you might use to enhance your policy, such as:
Rental car reimbursement
What auto insurance is required in Maryland?
Through Maryland’s mandatory insurance laws, all drivers must carry at least:
$30,000 Bodily Injury Liability Coverage per person
$60,000 Bodily Injury Liability Coverage per accident
$15,000 Property Damage Liability Coverage
Remember, this is only the minimal coverage required by law, and we encourage all our policyholders to carry more coverage. The more benefits you have, after all, the better your financial assistance will be when you need to file a claim.
How much does auto insurance cost?
Each carrier uses unique pricing and risk evaluation formulas to determine what the individual policyholder will pay for their coverage. Therefore, auto insurance prices vary considerably from customer to customer.
Our goal is to help you get that coverage as efficiently and affordably as possible. Our team of committed agents will do everything they can to help you figure which policy benefits are best for you and determine which insurers offer the best options to help you save on your rates.
John L Sprague Agency offers insurance services in La Plata, Port Tobacco, White Plains, Newburg, & Waldorf, MD.