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Common Queries About Car Insurance

Why is auto insurance expensive in Baltimore?

Finding cheap auto insurance in any inner-city is a daunting task. The car insurance rates in cities like Baltimore Maryland are up to the roof. But why are the rates so expensive? Many factors affect automobile insurance quotes and chief among them is the vehicle garaging address. If you garage your vehicle in a zip code that has a high insurance claims losses then your probability for higher auto insurance premiums also increases. The simple fact is that there are more car insurance claims in cities like Baltimore, Maryland than in rural areas.

Is MAIF auto insurance the cheapest car insurance in Maryland?

Maif auto insurance is not really cheap in one sense but in another sense, it is cheap for certain class of drivers. About 60 percent of new drivers, first time drivers, young drivers, uninsured drivers, drivers with accidents and moving violations may find out that Maif car insurance is their cheapest and sometimes only option, especially for drivers living in the inner-city like Baltimore and Prince Georges County Maryland.

How do you get Maif auto Insurance?

That is a very fair question! Maryland automobile insurance fund , MAIF or Maryland Auto Insurance does not sell car insurance directly to the public. You can get a MAIF QUOTE from their website but they may direct you to one of many MAIF insurance producers or agents who are scattered all across the state of Maryland to bind your insurance coverage. You may simply go online and look for a MAIF insurance producer in your local area.

Can MAIF Insurance Refuse to Insure Someone?

That is a very fair question! Auto insurance is mandatory in the state of Maryland and it is unlawful to operate a motor vehicle without car insurance. Maif can technically refuse to insure someone if they fail to meet certain underwriting requirements: for example, you fail to meet residency requirements, meaning that your Maryland residency is in question; the vehicle that you are trying to insure is not owned and registered to you;

Can MAIF Insure People with Passport or ID Card only?

Most auto insurance companies will only insure people with a valid Maryland or U.S driver's license. MAIF auto insurance on the other hand , may insure people with a passport or ID card if you meet certain other requirements. If you only having a passport or ID card, then you must a valid Maryland registration. Remember that insuring your car and driving or operating your car and two completing different things. You must have a valid driver's license to operate a motor vehicle.

Does MAIF Insure People with Suspended Driver's License?

Most car insurance companies may not insure anyone with a suspended driver's license or they may simply exclude such a driver from the policy. MAIF insurance may insure someone with a suspended or revoked driver's license so long as they maintain a valid Maryland vehicle registration and are a Maryland resident. As you may know, you may insure the vehicle but you cannot operate a vehicle with a suspended or revoked driver's license. You don't need a valid driver's license to own a car but you sure need one to drive.

Can I Insure a Car that does not Belong to Me?

Why in the world would you want to insure a car that is not yours? Insurance is meant to protect your interest and if it not yours then you have nothing to protect. You have nothing to lose because the car cost you nothing. Now, some insurance companies are not strict on that upfront but may verify ownership in case of a claim. Maryland Auto Insurance will not insure a car that is not yours except in the case of legal spouse on the same insurance policy regardless of ownership interests.

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First Insurancer Agency - Auto Insurance

Buy Cheap Auto Insurance. Call Us Now!

Welcome to First Insurance Agency Inc, an authorized Maif Auto Insurance producer or agent. If you are looking to get affordable auto insurance coverage the Maryland Automobile Insurance Fund or MAIF, we can help.

Getting dealer tag or garage insurance is sometimes not easy because not too many insurance companies sell them. If you operate a whole sale car dealership then you are required to have dealer tags as part of your operation. These dealer tags allows you to operate vehicles that are being prepared to be sold since the structure of the business is to buy and sell vehicles. But where do you buy dealer tags or garage insurance? A few insurance companies in Maryland sell dealer tags insurance or garage policy, including MAIF or the Maryland Automobile Insurance Fund but you may need to contact a MAIF producer or agent to get it. Good luck on your search.

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People are in desperate need to lower their auto insurance premiums in Baltimore and across the state of Maryland but how do you really find practical ways to lower your vehicle insurance, which is eating a big chunk of your budget. Here are some practical steps that you can take to lower your car insurance premiums:

1) Choose Where You Live Wisely

Did you know that your zip code, where you garage your car every night has a significant impact on your car insurance rates? If you live in a zip code where there are many claims then your car insurance will be higher.

2) Your Credit Score

This may be news to you but the fact is that the better your credit score , the lower your car insurance rates will be. So pay your bills on time to improve your credit score and over time, help lower your car insurance rates.

3) Avoid Accidents and Tickets or Moving Violations

You cannot expect to pay lower auto insurance rates if you have an accident and tickets. Insurance companies would reward good drivers with lower rates.

4) Buy the Right Car

If you are a 19 year old single male living in Baltimore City and you are intending to purchase a 2025 Dodge Charger and you have been licensed for six months . You also have 1 at fault accident and 1 DUI. If you must drive then you may need a 2010 Chevy Impala that needs liability only. The type of car matters and the driver behind the wheels also matters.

There are other factors that affect your car rates but if you do these 4 things right then you may notice significant reduction in your car insurance rates.

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Maif Auto Insurance Agent , Baltimore City

First Insurance Agency Inc is a MAIF insurance authorized producer or agent. We have been writing insurance for over 28 years. We can write insurance with ours closed. You are in safe hands when it comes to insurance in general but auto insurance in particular.

We are a family owned independent insurance since 1996. Our goal and mission is in-line with the mission of the Maryland Automobile Insurance Fund (MAIF), which is to insure the uninsured. We partner with MAIF to help reduce the uninsured population in the state of Maryland. We insure the uninsured. We insure just about any risk from cars to tractor trailers. No one refused or turned down. We are also a licensed and authorized tags and title service, authorized by the Motor Vehicle Administration (MVA) to process vehicle registration for Maryland resident. We are licensed in Maryland and Washington D.C.

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Car Insurance for DWI & DUI Drivers in MD

Finding affordable auto insurance after being charged with DWI or DUI is extremely difficult. Most insurance companies simply avoid insuring such drivers. The risk to them is just too great. So where do you go from here after a DWI or DUI conviction? The good news is that MAIF or Maryland Automobile Insurance Fund will insure you even after multiple DUI or DWI convictions. But to keep your car rates low and affordable , avoid drinking any intoxicating drink before and while driving. The risk to you and others is just great. Drive Safely and save lives! Driving is a privilege and not a right.

Auto Insurance For Reckless Drivers, Baltimore City

Finding low cost car insurance after a reckless driving conviction is not easy. Reckless drivers who are often labeled as bad or high rick drivers will often have a tough time being insured by most insurance companies in Baltimore or Maryland. The reason is evident as such drivers are more likely to be involved in major car accidents that puts lives at risk. The good news is that the state of Maryland made it possible for such driver to still obtain car throgh MAIF , Maryland Auto Insurance or Maryland Automobile Insurance Fund. Contact a MAIF Producer or Agent for a quote. Keep Maryland Roads Safe and Obey the Speed Limits

Is A Drivers License Needed To Insure A Car?

Owning a car and driving a car are completely different issues. A lot of people own vehicles but they don't have a valid drivers license. You can actually register a vehicle and put it in your name using most legal and valid identification documents , Drivers license, State issued ID Card, valid passport but you can only drive with a valid drivers license. You can insure your vehicle with a passport or state issued ID card but you cannot operate your vehicle without a valid drivers license. Keep Maryland Safe! Don't drive without a valid drivers license

Get Cheapest Car Insurance in Baltimore City MD

Baltimore and Maryland car insurance rates have gone through the roof within the last two years but what is really causing these exorbitant rates? There are a bunch of factors that affect auto insurance rates and the prominent once are location and credit. Yes, location, meaning , where you park your car. Where more people live means that there will be more claims and more claims means higher auto insurance rates. And yes, to the surprise of most people, your credit has very significant impact on your car insurance premium. The worse your credit, the higher your auto insurance rates. Just about every insurance company in state of Maryland uses credit as a factor in determining your rates except MAIF, Maryland Auto Insurance and that is one reason why MAIF is one the cheapest insurance companies in Baltimore and state of Maryland. Call your local MAIF Agent for a quote.

Get Cheapest Car In Maryland

Living in the inner city of Maryland is not cheap. You must pay to play. People move to the inner city like Baltimore MD because of access to better paying jobs but most of that money is going towards car insurance and is it really worth the move? And why are the rates so expensive? That is a fair question because the auto insurance rates in Baltimore city are ridiculously expensive. You might save a lot of money by moving to other parts of the state but that is not possible for most people and you might just have to suck it up. You location is one of the primary drivers of high insurance cost in Baltimore city and across Maryland . There are also more claims in the inner cities and so most major insurance companies avoid insuring most city residents by pricing the auto insurance so high. Luckily, that state owned insurance is there to save the day. MAIF or Maryland Auto Insurance will insure most city dwellers at sometimes, affordable cost. Contact a MAIF agent or Producer

Where To Find Affordable Car Insurance In Maryland

Maryland and particularly Baltimore city resident are in desperate need for low cost and cheap auto insurance. At one time the General auto insurance company was noted for offering low rate auto but all that has radically changed within the last one year as just about every insurance company in the state of Maryland and particularly in Baltimore have jacked up their rates by about 30 percent. The sad thing is that just about every insurance company use credit as a factor in determining your car insurance rates. Only one insurance company in the state does not use credit al all to determine auto insurance rates and can you guess who that might be? MAIF Auto Insurance is the winner! That is why within the uninsured population, MAIF will almost always come up cheaper. Contact your MAIF agent or producer for a quote.

Cheapest DUI, DWI, SR-22 CAR INSURANCE IN MARYLAND

Finding car insurance after a DWI or DUI conviction is extremely difficult . Most insurance companies will generally avoid insuring such risk because the potential for a claim is greater . So what do you do if you find your self in such a situation? Getting rid of your car may not be a viable option since you need your car to go to work and make a living. Fortunately, for Maryland residents, there is a company that will insure you even with a DWI OR DUI conviction. If you live in the Baltimore area or across Maryland , call a local Maif producer or agent. who will help put you back on the road. Keep Maryland roads save! It is illegal to drink and drive!

Cheapest Car Insurance in Baltimore County

Finding low cost or dead cheap auto insurance in Brooklyn Maryland is challenging to say the least. Brooklyn is located on the out skirts of Baltimore City and also experience relatively high insurance claims and thereby driving up premiums for every one. Most insurance companies will surcharge your insurance rates for all at fault accidents regardless of the amount paid out. Comprehensive claims are also used to increase your rates by all other insurance companies. The exception is MAIF or Maryland Auto Insurance who will not charge an at fault accident against you unless the payout amount exceeds $400. Comprehensive claims are also not chargeable with MAIF and that is one reason that you may find lower rates with MAIF. Call your local MAIF agent or Producer for a free quote!

4 Ways to Buy Car Insurance in Maryland

Buying car insurance should not be difficult at all in the 21st century but most people think that it is rocket science. You can buy auto insurance in Maryland through the following ways: 1) Online: Buying car insurance online these days seems to be one of the easiest methods.

4 Ways to Lower Your Rate on DUI/DWI Insurance in MD

Auto insurance rates will normally increase significantly after a DUI or DWI conviction and most standard insurance companies will even drop you. And so if you find yourself in such a situation, what should you do? Here are 4 steps you can take to make sure it does not happen again: 1) Don't Drink & Drive Cessation from alcohol may not solve your rate issue immediately but it will over time as you may not accumulate additional convictions that will increase the rate even further. 2) Install a Breathe Analyzer in Your Car: The courts may even compel you to install a breath analyzer in your car which in turn will prevent you from having more DUI's or DWI's and thereby lowering your car insurance rates. 3) Get Alcohol Counseling: If you feel like you are unable to cease from drinking any intoxicating drink then it is to seek outside help before you destroy your life while putting the lives of many in danger. 4) Shop for Lower Insurance Rates: Most insurance companies will immediately drop your coverage with a DWI/DUI conviction. Others may not drop your coverage but will increase your rates significantly. So it makes perfect sense to shop for lower rates. 5) Trade-in Your Car for a Cheaper one: Trading in your car may not be an option for many but it is worth considering this option if you drive a fairly new high performance vehicle that is expensive to insure. Remember that driving on Maryland roads is a privilege and not a right. Drive safe!

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First Auto Insurance Agency, Inc. - Your Trusted Insurance Partner

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You can get free Maif Auto Insurance Quote through us. If you are uninsured, we can get you covered. If no insurance company would insure you, we can help. So long as you are a Maryland resident and the vehicle is registered to you at the MVA , you cannot be denied coverage. We say yes when everyone says no.

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