Driving in Washington DC can be difficult. There are a lot of drivers on the road, even during non-peak times. With all of this traffic, you have to make sure you are always awake and alert when behind the wheel.

You have to be conscious of just how awake you are before driving. If you are doing a lot of yawning or are fighting to stay awake, you don’t want to drive anywhere, even if it’s just down the road.

Here are some tips to help you when you need to wake up when driving.

• Get 7-9 hours of sleep prior to getting behind the wheel
• Take a break approximately every 100 miles
• During long trips, split the driving responsibilities with another person
• Pull off the highway and nap at a rest stop to avoid falling asleep at the wheel

Don’t be one of the statistics. There are about 60% of drivers who say they have driven while they are drowsy and about 37% of them have fallen asleep. Men are more likely to drive when drowsy than women, and many shift workers will drive drowsy.

This means there are a lot of sleepy people on the roads of Washington DC and you don’t want to be one of them. You need a good auto insurance policy to protect yourself against what could happen in an accident.

The best way to prevent an accident, however, is to stay awake. When you are alert, you can avoid a number of accidents, even against those who are drowsy. Use your horn and wake others up if you have to.

Call and talk to one of our insurance agents today. We can help you to find the best auto insurance policy and get quotes to help you with making comparisons.

There’s a small community of about 5,000 residents in Howard County by the name of North Laurel. This area of Maryland has a number of residential neighborhoods as well as a large community park. It’s family oriented and many small businesses are located nearby, providing a stable economy.

When you are exploring cheap insurance in North Laurel, it’s important to work with agencies, not companies. If you were to call the different insurance companies, they’re all going to try and sell you on things you don’t need. It can also be time consuming to try and get quotes from the many companies throughout Maryland.

We offer a solution. We are one of the top car insurance agencies and this allows you to focus on a cheap policy without spending a lot of time on the process.

You can work with one of our agents and we will talk to you about such things as:

– The type of car(s) you drive

– The kind of coverage you need

– Your driving record

– Your budget

Once we find out about all of this, we can get quotes from the different insurance companies. The only way to know if you’re getting a cheap policy is by looking at what all the companies are ready to charge. You could go with the first company, but they could be the most expensive and you won’t know unless you have a point of reference.

When you’re ready to shop for car insurance in North Laurel, you can call us. We are prepared to help every step of the way. Our agents are knowledgeable and can answer questions about coverage and make recommendations. Most importantly, we can try to find you the cheapest policy around so you can get the necessary coverage without going broke.

South Laurel, Maryland is characterized by a number of small businesses that help to keep the economy strong. Home prices are slightly higher than the state average, though incomes are slightly less. Residents are within close proximity to two metropolitan areas – Baltimore and Washington DC. This provides access to many job and recreational opportunities for those who live in the 20708 ZIP code.

When you are looking at car insurance quotes, there are several things you need to know.

1. What is the coverage?

You have to maintain at least the minimum level of liability as required by the state of Maryland. However, the policy quotes can also include comprehensive, collision, and much more.

2. Is the company reputable?

Not all companies are reputable and sometimes the lowest quotes come from companies you want to stay away from. By working with one of our agents we can navigate you away from the bad and towards the good.

3. What is the cost?

Car insurance in South Laurel can be affordable, but the only way to be sure you are getting the best deal is to have multiple quotes in front of you so you can make some comparisons.

4. What does it include?

The car insurance quotes that you receive need to be specific in terms of what they include. This goes above and beyond coverage. For example, is the quote for a monthly payment or do you only get the quote if you pay in advance for six months? Some companies offer 24/7 service, online payments, and even roadside assistance. Before you grab a policy, be sure you know what it includes.

We have some of the best agents around and can help to get you a policy in South Laurel that is comprehensive of various forms of coverage and is affordable. Call us today!

Laurel, Maryland is conveniently located between Baltimore and Washington DC. As a result, many people choose to commute north or south for work. There are still plenty of things to do within Laurel as well. Various small businesses exist and there are recreational facilities for the whole family.

With so many opportunities to be on the road, it’s important to pay attention to car insurance. When you have to add a learner’s permit to your policy, there are several things you will want to explore.

1. Cost of insurance

The cost of insurance is likely going to go up and that’s because there’s more risk involved. The insurance company knows that young drivers are one of the largest demographics responsible for causing accidents. There is good news, however. Agents can work on finding quotes from different car insurance companies and one may come in cheaper than your current company.

2. Increase in liability

The minimum liability in Maryland may not be enough. You may want to increase coverage for personal injury and property damage liability to protect yourself financially.

3. Other coverage options

As you are making changes to your policy, it’s a good idea to look at some of the other coverage options that you may be missing out on. This can include collision and comprehensive coverage, rental car coverage, as well as uninsured and underinsured motorist coverage. Our agents can get you quotes so you know how much more it would be each month to add these coverage options so you are protected against it all.

Adding a learners permit to your policy may be necessary once your children become of driving age. However, there are ways to explore the cost of coverage.

Contact one of our agents today and let us get quotes for a policy in Laurel, Maryland.

Blessing of the cars in your local church warns the world your teenager has keys in hand and has a learners permit. Now the village of Laurel Maryland has become your eyes because your baby is driving. How to protect your teenager becomes your major source of worry. But first and foremost becomes getting the vehicle insured and your teenager to understand they are never alone in the car. Never! I now know where the North Laurel Community Center is. McDonald’s and Starbuck trips have become my new hobbies.

Checking in with local agents for this new adventure in parenting I find changes to my car insurance are required by law. My teenager has suddenly become defined as a liability. As always it cost money. To my relief using an approved driver’s school gives a discount to the added cost. Local agents helped me understand the requirements with my new addition to my car insurance. No talking on the cell phone while driving. No passengers other than family and who is mentoring your driving. No driving 12 AM to 5 AM unless you have a job, volunteered, are on a sports team or went to a school sanctioned activity. How in the heck do you check if they are on the cell phone while driving? If I call I put them in violation. That makes me the driving mentor until my baby is fully licensed.

Talking to local agents have relieved my fears. I know which routes have the most accidents, how to make my teenager understand that the police are about law, and that they answer to the community as well as me. Visit your local insurance agent and bring your teenager. It is nice to not be alone in this parenting activity.

When you’re driving around Laurel, Maryland, there are plenty of things to keep you busy. The bustling city offers museums, art galleries, a weekly farmer’s market, its own brewing company, and more. You will never be without things to do.

When you have an antique, collectible car in Laurel, it’s important you find classic car insurance. This will ensure you get the money to make repairs or a replacement in the event of an accident.

With most insurance policies in Maryland, you get the estimated retail value of a car. This is based upon current Blue Book value. However, when you have an antique, you don’t want the retail value. What you may have paid for the car minus depreciation is considerably less than what the car is valued at. This is why classic car insurance is in a category all of its own.

Various factors are going to be considered when determining the monthly premium. This includes where you live, how the car is stored, and how many miles you drive the car in a year. Once you disclose all of this information, it will be easier to compile a quote for your antique.

You will want to look at how a collectible will be valued in the event that you get into an accident. It may be more expensive to make repairs or make a replacement and therefore you have to read the fine print.

As you purchase classic car insurance in Laurel, you want to get the help to make it easier to get the right coverage. We can help you insure your antique collectible in Maryland. Our insurance agents are experienced and can help to find a quote that gives you the coverage you need at the monthly premium you can afford.

classic car insuranceantique

If you've got a new driver in the family, or your teen just got his Maryland driver's license, it's time to invest in a little extra peace of mind: affordable car insurance coverage for your teenage driver. Contrary to popular opinion, purchasing insurance for the teen driver in your family doesn't have to break the bank. These tips will help you find the best rates.

1. Work with an independent agent.

Going directly to the insurance company doesn't necessarily save you money, but working with an independent agent usually does. Because independent agents work with many different insurers, they can get you quotes from several companies in one stop. Plus, independent agents work for you as much as for a distant insurance company. Their goal is not to get you to buy a particular company's policy, but to help you find the best policy at the best rates to meet your needs.

2. Ask about specific discounts.

If your teen is on the honor roll or dean's list in high school or college, ask about good student discounts. Teens with no accidents or tickets on their records also qualify for significantly lower insurance rates, so emphasize non-aggressive driving (and be an example of it yourself). You'll be glad you did.

3. Consider a higher deductible.

Raising your deductible results in generally lower monthly premiums, which can be a boon to parents of new drivers. But be careful; a raising your deductible basically amounts to taking a gamble that your teen won't get into a wreck. If he or she does, you're looking at a much higher out-of-pocket cost.

4. Make sure your teen is driving a safe used car.

Used cars with top-notch safety ratings pose a lower risk to insurance companies; they're less likely to have to pay big money for a wreck or injuries resulting from a fender-bender. That means lower premiums for you and your teen. They can wait for the new Mustang or Camaro until they're on their own and paying for the insurance themselves.

As the proud owner of a classic car, keeping your prized vehicle looking pristine is probably one of your top priorities. While keeping the classics looking just like they did in their original heyday is obviously important, it’s also vital that you put the right protection in place for your vehicle. Classic cars are special, and they need unique classic car insurance that is geared especially for the unique value of your car. Any Laurel, MD classic car owner needs to have the right insurance for their vehicle, and it doesn’t have to be expensive, either!

Many people assume that classic vehicle insurance coverage is very expensive and difficult to procure, simply because it involves such a unique and special vehicle. In fact, your classic car coverage may not be any more expensive than the coverage for your regular (non-classic or antique) drivers. One of the great advantages of classic vehicle coverage is that you have the ability to control how much you end up paying for your insurance. There are several different ways you can be an active participant in creating your own cheap classic car insurance policy.

One way you can control costs is by choosing a higher deductible. With your classic vehicle, you may drive and use it less overall, and thus it is less likely to be damaged. When your vehicle is driven less frequently, you may find that you can raise the deductible with confidence.

Another way you can help keep your classic car coverage cheap is by working closely with your agent to explain how much you drive, how much the car is stored, and what type of improvements you’ve done to the vehicle. All of these things can play into a lower car insurance rate.

We at Mid Atlantic Insurance Financial are very happy to work with you to help you get the classic car coverage you need. Our live comparison quote tool gives you instant online access to quotes from several major carriers, all at once, so you can get quick access to the cheapest rates and best policies available.

Everyone has advice on the best ways to save on auto insurance, and some ideas can be a little quirky. When you’re looking for certified insurance agents in the Laurel, MD area to help you find the best deals, though, the process doesn’t have to be complicated.

As a matter of fact, a little research goes a long way. You can start by getting instant quotes here on our website from the nation’s top insurers. These tips will also help you find the best quotes and the best coverage to fit your budget.

1. Independent Agents vs. Direct Brokers

You might think that cutting out the middle man results in direct savings. The fact is, many people end up paying more than necessary for insurance when they go to a broker who works directly with the insurance company. Independent agents, like those in our office, have the freedom to match you with the best quotes possible. Because we’re not committed to working with any one specific agency, we can also get you several different quotes at one stop, so you’ll save both time and money.

2. Discounts Worth Asking For

Some discounts are so situation-specific that they’re not generally advertised or well known. The following situations are just a few of the scenarios that can save you more than you might expect:

• If you’re a student on the honor roll or dean’s list, you might qualify for a good-student discount
• If you only drive a few miles each day, you might qualify for a low-mileage plan; insurance agents know that those who don’t drive as much get into fewer accidents.
• If you’ve recently taken a defensive driver’s course, you may be eligible for discounts

3. Compare coverages, not just the bottom line.

It’s tempting to go with the least expensive, reasonable-looking quote available. But the cheapest policy isn’t necessarily the best. Our agents will work with you as you take the time to read through your policy and compare specific coverage options.

Searching for auto insurance isn’t anyone’s idea of a great time. How do you know who to trust? How can you ever be sure you’re getting the best deal? And there are so many extra add-on options, it can be hard to know what’s a smart choice and what’s overkill.

When you’re looking for a Fairland, MD policy, though, you have options–and your quest for the right policy doesn’t have to give you a headache. Here’s a few tips to find the best auto insurance agents in the area.

1. Ask around.

Talk to friends and family about their choice in insurance agent; their experience can help you make a good choice. If you’re new to the area, it can help to ask more specific questions about insurance needs: do falling branches often damage cars? Are break-ins a big problem? What type of weather hazards will you face? Their answers might well influence the type of auto insurance you buy.

2. Talk to the agents themselves.

If you’ve got specific questions about your situation, it’s easy to talk to Fairland insurance agent in person to ask what types of coverage they’d recommend, look over the policy you’re considering, and weigh your options.

3. Compare quotes online.

Shopping around can take a lot of time and energy, but it’s easy to compare auto insurance quotes online without leaving your home so you have an idea of how much you’ll end up paying for the types of coverage you want.

4. Read thoroughly.

Once you’ve chosen a policy you think will be the perfect fit for you, take the time to read through the fine print and make sure you know what is and isn’t covered this can make all the difference down the road and can help you make the most of the insurance policy you’ve purchased.