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Maryland – Factors that Affect Auto Insurance Rates
Maryland roads are some of the busiest in the country. Majority of the Maryland state is in and around the highly congested cities of Baltimore. With such high rates of traffic congestion, it is but natural that the state of Maryland has imposed stringent auto insurance rules. The state of Maryland has, apart from the minimum liability common in many states, has also made two other insurance overage policies mandatory. These are the uninsured motorist’s coverage and PIP or personal injury protection policy.
The minimum liability for the state of Maryland is fixed at twenty thousand dollars per person for bodily injury and forty thousand dollars for bodily injury in total. Mandatory property damage coverage is for the amount of fifteen thousand dollars.
Uninsured motorist’s coverage is for the same amount as minimum liability and Personal Injury Protection is for the amount of two thousand five hundred dollars. However, these are just the minimum sums the government has fixed. Most of the accidents will exceed these costs. Hence, you must be insured for much larger sums of money. Industry experts suggest a sum a hundred thousand dollars per person and three hundred thousand dollars in total for bodily injury alone.
A person must be aware of the different factors that affect insurance rates if he is going to be driving. These are very large sums and if there any changes that might help him save some money, he should be aware of them. This article focuses upon a few such factors that influence insurance rates.
There are factors that you can alter easily and a few factors that you cannot. The first and the foremost among the factors you cannot change is your age. Most of the statistics show that drivers below the age of twenty five are bad drivers and are more prone to accidents. These drivers will be charged higher premiums compared to the older drivers.
Drivers above the age of fifty and below sixty five are known to be very safe drivers and hence will be charged the lowest of premiums. Women have been proven to be statistically safer drivers. They are charged much lower rates. It has also been proven that people who are married and have families to go home to will drive a lot safer than unmarried people. Hence, the premiums on insurance of unmarried people are a lot more.
Among the factors that one can alter, the driving record is very important. The driving record shows what kind of a driver you are. A safe driver with no tickets will be charged low rates whereas drivers with a lot of tickets and convictions are charged higher rates. The safety and security of your car play a role too. If your car has many safety features such as automatic seat belts and air bags, you will be charged much lower premiums and rates. Similarly, a car with security features such as alarms is very secure and will be charged low premiums. Your credit score will play a huge role as well. A good credit score will ensure you get a great insurance rate.
Drilling for Answers: Oil Company Profits, Runaway Prices and the Pursuit of Alternatives
Auto News and Information from Car and Driver – February 2009 – Table of Contents
COMPARISON TESTS Long rangers: We test four hybrid family haulers.
Auto pilots: Do push-button transmissions kill the fun?
ROAD TEST From minor but insistent Lamarckian enhancement does greatness accrue.
LONG-TERM ROAD TEST In which we verify the truth of an old song: You always hurt the one you love.
FIRST DRIVE REVIEW It now offers better road manners and a vastly improved interior, but the underpinnings are very familiar.
SHORT-TAKE ROAD TEST Don’t let anything but money stop you.
An athletic, persuasive luxury sedan.
SECOND DRIVES $300,000 worth of pure wickedness.
Ferrari breaks tradition in a big fat way.
Audi giveth, Audi taketh away.
in your tracks.
One stirring 3 deserves another.
MINI TEST ROAD TEST Motorcycle or three-wheeled car?
CAR NEWS Porsche’s 500-hp sedan: Is this sleek GT just a Cayenne SUV dressed as a four-door car?
Upfront.
New look, new power.
The shoebox gets a full cute makeover.
Fuel cell from Hell.
The dirt road.
The dirt road.
The dirt road.
The dirt road.
The dirt road.
The dirt road.
FEATURES Panic in Detroit: Some upcoming products that just could save the Detroit Three’s bacon.
Cities searching for revenue look to their police departments as a way to cash in.
Founded in 1847, W. Hare & Son is America’s longest-lived family-owned purveyor of vehicles.
SPORT For some NASCAR teams, starting a race—then parking after only a few laps—is a way of life.
COLUMNS If you want to improve your mileage, remember two words: lug and coast.
Fish stories from the mother road: You’ve heard about chumps, dupes, marks, and patsies; along Route 66, they were fish.
A hybrid that has no batteries: UPS trucks get an all-American boost from hydraulics.
GEAR BOX The SEMA circus entertains, even in a nastry downturn.
LAST PAGE Sherlock Kafka, diesel vs. gas, parking lights, bumper stumper, and deep stuff.
Article source: http://www.caranddriver.com/information/february_2009-table_of_contents
YT News! FIGHTING FALSE DMCA CLAIMS
Article Directory – Politics & Government Articles – 476-500 of 736 Articles
Showing 476-500 of 736 ,
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