Auto Insurance in Annapolis, MD
Protecting Maryland Drivers Around Every Turn
Remaining responsive is key when operating a motor vehicle, as risk exposures drivers face behind the wheel are considerable. From sharing the roadway with other individuals to pedestrians crossing the street, driving can be a hazardous affair, even with your own protective measures in place.
At the Old Bay Insurance Agency, we’re accessible to assist clients in Annapolis, Maryland in their pursuit of comprehensive insurance protection. Although we can’t remove the obstacles around every turn, our agents can navigate insurance coverages designed to safeguard you and your loved ones from the financial burden of loss.
Car Insurance Coverage Customized for Our Maryland Neighbors
Our agents are responsive to client inquiries and needs – from car buying tips to administering reliable roadside assistance. An insurance agent must gain a sufficient understanding of client requirements to map out an accurate, affordable auto policy. Therefore, we take time to gather information and identify potential savings opportunities, including young driver discounts, such as “good student discounts” or “away at college discounts.”
As an agency, we recommend our clients purchase insurance protection beyond the state enforced minimum. Our neighbors in Annapolis, Maryland typically find a slight increase in premium is well worth the additional protection acquired, as opposed to the state minimum of 30,000-60,000-15,000. Along with Maryland, we also write policies tailored to drivers in Virginia, Pennsylvania, and Washington, D.C.
Taking a consultative approach, our agents are accessible to thoroughly review auto insurance coverage options. Most policies we produce are structured around a base of liability, collision, and comprehensive coverage. The following list includes a selection of the coverage options we provide:
- Liability Coverage
- Comprehensive Coverage
- Collision Coverage
- Uninsured & Underinsured Motorist Coverage
- Diminishing Deductible
- Accident Forgiveness
- Minor Violation Forgiveness
- Roadside Assistance
- Specialty Auto Insurance
- 24-Hour Customer Service
- Rental Reimbursement
- Personal Injury Protection (PIP)
- Mexican Auto Insurance
- Medical Payments Coverage
Agents Driving Home Adequate Auto Insurance Coverage
In the state of Maryland, an auto insurance ID card must be carried in the vehicle. Another statute to note, handheld device violations are developing into serious offenses. As changes in regulations occur, we keep our clients in the loop, confirming they remain in compliance with state and federal laws.
As an independent insurance agency, we have access to a collection of nationally renowned insurance carriers, including Nationwide Insurance, Travelers, Progressive, Safeco, The Hartford, and State Auto. For clients, this translates to direct communication with an insurance advisor, complemented by reliable insurance products.
- Insurance Information for Maryland Residents (Maryland Insurance Administration)
- Materials for Maryland Drivers (Maryland Department of Transportation, Motor Vehicle Administration)
- Auto Insurance Basics (Insurance Information Institute (III))
At Old Bay Insurance Agency, we’re proud to offer auto insurance in Annapolis, Severna Park, Columbia, Baltimore, Stevensville, and Pasadena, MD. We’re licensed to serve a selection of areas, including Maryland, Virginia, Pennsylvania, and Washington, D.C.