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Auto insurance

Your car is one of the most valuable possessions you own, and one of the most important. Choosing the right insurance policy in Naval Academy Maryland, can protect your investment and keep you on the road in case of accidents, theft, lawsuits or other auto-related damage. High-quality coverage shouldn't have to break the bank.

Our elite network of independent insurance agents can show you a range of coverage options and prices. We are licensed to work with multiple auto insurance providers, and that means we make the big guys compete for your business. Find an agent above to start shopping, whether you need state-mandated minimums or maximum protection with low premiums and deductibles.

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Maryland Motorcycle Insurance: From Liability to Comprehensive

There is a thrill of freedom that comes from seeing the open road zoom past beneath your feet. It comes from taking in the fresh air while soaring from Point A to Point B, instead of transporting yourself there like so much cargo in a freight container. And it comes from preparation rituals that keep every rider safe. Helmet: check. Gloves: check. Boots: check. Jacket: check. Insurance?

It may not seem like safety equipment, but that’s exactly the role a proper motorcycle insurance policy serves. Riders have enough to keep an eye on. They shouldn’t have to wonder whether they’ll be taken care of if they’re blindsided by a careless driver, or if some other road mishap puts their bike out of commission. When agents in Naval Academy Maryland compete for your business, you win.

Cover requirements vary from state to state, but they may include:

  • Liability – This type of coverage pays for damages and injuries to others in accidents that are determined to be your fault. It does not pay for your own injuries, or for damage done to your motorcycle.
  • Medical Payments/Personal Injury Protection – You may or may not be required to carry personal injury protection (PIP) coverage. PIP compensates you for injuries suffered by yourself and your passengers in an accident. Medical payments coverage is optional and serves a similar purpose. Whether this is a good idea depends on how good your regular health insurance is. If you will already be well taken care of in the event of an injury, this insurance may not be needed. If not, it’s well worth considering.
  • Collision – This coverage pays for bike repairs after an accident, up to the bike's cash value, after you have paid your deductible. Collision coverage is optional. If your motorcycle’s cash value is less than the likely cost to repair it, collision coverage probably won’t be helpful.
  • Comprehensive – This coverage compensates you for damage that has a cause unrelated to a collision with another vehicle. Examples are theft, vandalism, weather, and fire. Some comprehensive policies also cover custom parts and accessories.

Motorcycle insurance coverage should match the bike and the rider. How often do you take your baby for a spin? Is it your regular commuter companion or a sunny-day indulgence? Is it decked out or purely practical? You deserve a motorcycle insurance policy that takes these considerations into account, applies strictly to your needs, and protects what’s valuable about your ride.

You also deserve an agent in the Naval Academy area who knows what you’re talking about and which factors will affect your coverage. You deserve these things because that’s what you’re paying for. Your policy is peace of mind, not a gambling ticket and it should feel like a good decision every time you contact your agent, not just when it’s time to cash it in.

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