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Car insurance in Frederick, MD

Get great protection with the right insurance in Frederick, MD

Reliable, affordable car insurance in Frederick, MD

Sunset on the Chesapeake Bay in MarylandFrederick is the county seat of Frederick County and the second-most populous city in the state, after Baltimore. It was founded in 1748 and was originally known as “Germantown.” The city was renamed Frederick in 1776, in honor of Prince Frederick of Hesse-Kassel, who was a major supporter of the American Revolution.

Frederick was a major strategic location during the American Revolution. The city was captured by the British in 1776, but it was retaken by the Americans in 1781. Frederick was also a major stop on the Underground Railroad, which helped slaves escape to freedom in the North. Today, Frederick is a major center for tourism, education, and government. It’s home to the National Civil War Museum and the National Museum of Civil War Medicine. Frederick is also home to Hood College and the University of Maryland, Frederick.

When it comes to car insurance, drivers should understand the importance of securing adequate coverage. Having the right car insurance policy is essential for protecting yourself, your vehicle, and others on the road. Visit our Maryland car insurance page for details on coverage requirements in the state.


Get a car insurance quote in Frederick, MD

No matter where you’re going or what you’re doing, it’s important to have good car insurance to help protect yourself in case of an accident.

Here are some tips for drivers looking for car insurance:

  • Make sure you understand the terms of your policy before you sign it.
  • Consider getting additional coverage, such as collision and comprehensive insurance to get the protection you want.
  • Review your policy regularly to make sure it still meets your needs.

By following these tips, drivers can find the best car insurance for their needs and help protect themselves in case of an accident.


Factors affecting car insurance

There are many factors that can affect car insurance premiums, including:

  • Your age: Younger, inexperienced drivers are generally considered to be higher risk drivers and may pay more for insurance.
  • Your driving record: Drivers with a clean driving record will typically pay less for car insurance than drivers with a history of accidents or traffic violations.
  • Your car: The make, model, and year of your car can affect your car insurance premiums. Cars that are more expensive to repair or replace may have higher premiums.
  • Your location: The cost of car insurance varies from state to state and even from city to city. Drivers in urban areas typically pay more for car insurance than drivers in rural areas.
  • Your deductible: The higher your deductible, the lower your monthly premiums will be.
  • The type of coverage you choose: The more coverage you choose, the higher your premiums will be. However, it’s important to have enough coverage to help protect yourself financially in the event of an accident.

How does your vehicle affect your car insurance


Tips for saving money on car insurance

Here are some tips on how to lower the price of your car insurance:

  • Maintain a good driving record. Your driving record factors into the price of your car insurance. If you have a clean driving record, you’ll likely get a lower rate than someone who has been in accidents or received traffic tickets.
  • Increase your deductible. This is the amount of money you have to pay out of pocket before your insurance company will cover a claim. Increasing your deductible can save you money on your premiums, but it’s important to make sure you can afford to pay the deductible if you need to make a claim.
  • Bundle your insurance policies. If you have other insurance policies with the same company, such as homeowners insurance or renters insurance, you may be able to get a discount on your car insurance.
  • Get a multi-car discount. If you insure more than one vehicle on one policy with Elephant, you’ll get a multi-car discount.
  • Pay your premiums in full. If you pay your full insurance premiums in one or two payments, you could qualify for Elephant’s pay-in-full discount.
  • Get a safe driver discount. Safe driving adds up to extra savings with our claims free discount. This discount is automatically applied when all drivers on the policy have avoided causing an accident for at least five years.

Car insurance discounts


Frequently asked questions about Frederick, MD car insurance

How can I lower the price of my car insurance?


Consider a higher deductible. A higher deductible will lower your monthly premiums. However, you will have to pay more out of pocket if you file a claim.

Bundle your car insurance with other policies. Many insurance companies offer discounts for bundling your car insurance with other policies, such as homeowners or renters insurance.

Take advantage of discounts. Many insurance companies offer discounts for things like good driving records, anti-theft devices, and completing a defensive driving course.

Drive less. The less you drive, the lower your car insurance premiums will typically be. If you work from home, Elephant offers the Work From Home Discount™ because you’re driving less.

Multi-policy discount
Bundling insurance 101

How to get car insurance quotes?


Save time getting a car insurance quote by providing the information below.

  • A valid driver’s license.
  • The year, make, and model of your car or cars OR the vehicle identification number/s (VIN).
  • The address where you live and where your car will be kept.

Are there any additional coverage options I should consider for car insurance?


In addition to the insurance requirements in Maryland, consider adding the following coverages for expanded financial protection.

  • Collision coverage: This type of coverage helps pay for the damage to your own car if you are in an accident. It’s not required by law in Maryland, but it’s often required by lenders if you finance the purchase of a new car.
  • Comprehensive coverage: This type of coverage helps pay for the damage to your own car if it’s stolen or damaged by something other than a collision, such as fire, theft, vandalism, or hail. It’s not required by law in Maryland, but it can be a good idea to have, especially if you live in an area where these types of events are common.
  • Rental reimbursement coverage: This type of coverage can help pay for the cost of a rental car if your car is in the shop for repairs after an accident. It’s not required by law in Maryland, but it can be a good idea to have, especially if you need your car for work or other essential activities.
  • Loan/lease payoff coverage: This type of insurance can help pay towards a remaining balance owed on a car loan or a lease after a vehicle is declared a total loss. It’s not required by law in Maryland, but it can be a good idea to have if you have a large car loan or if your car is close to being paid off.
  • Roadside assistance: This coverage provides you with roadside assistance services, such as towing, jump starts, and lockouts. It’s not required by law in Maryland, but it can be a good idea to have to help you get back on the road sooner.

Comprehensive and collision coverage

What happens if I buy a new car? Is it covered?


If you’re an Elephant policy holder, it’s best to promptly add your new car to your policy through your online account, the Elephant mobile app, or by calling to speak to a representative. While your Elephant policy can offer temporary protection, some add-on coverages may not automatically extend to your new vehicle. You will need to adjust your coverage to get the protection you want for your new car. For uninterrupted coverage, check your policy for rules around adding a new vehicle to your policy.

All drivers are required to have car insurance in Maryland. Find competitive rates for car insurance in Frederick, MD from Elephant Insurance. Start your auto insurance quote anytime.

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