Voted “Best Insurance Agency in Annapolis,” Henry M. Murray Agency has been providing comprehensive auto insurance options for drivers in Annapolis and throughout Maryland since 1881. We are an independent insurance agency, representing more than a dozen of the nation’s leading auto insurance companies. We can provide you with several auto insurance quotes and help you compare policies to choose the one that offers you the best value and most coverage.
Personal Auto Insurance Coverage
In Maryland, the minimum auto liability insurance requirement is 30/60/15, which is $30,000 bodily injury per person; $60,000 bodily injury per accident; and $15,000 property damage per accident. Most drivers, however will benefit from expanded car insurance coverage to protect them from accident liability.
Required Auto Insurance Coverage
Liability Insurance: Covers bodily injury to another person or another person's property resulting from an accident caused by your negligence. Coverage may also extend to members of your family and persons operating your vehicle with your permission.
Uninsured Motorist: Cover bodily injury and property damage caused by an uninsured motorist or hit-and-run driver.
Personal Injury Protection: PIP covers medical expenses for you and your passengers in a covered accident, as well as lost income, up to $2,500 per person.
Additional Auto Insurance Coverage:
Other Than Collision: If you do not own your vehicle, your lender may require other than collision auto insurance to protect against theft, vandalism, fire, weather damage, falling trees, collision with an animal, etc.
Collision Coverage: Optional coverage for repairs to or replacement of your vehicle if damaged in an accident, regardless of fault. May also be required by an auto lender.
Rental Car Insurance
Towing and Road-side Assistance
Comparing Auto Insurance Coverage
Finding the right auto insurance coverage can be a challenge. Comparing the details of one policy to another can be an even bigger challenge if you're not working with an independent agent.
An independent insurance agency like Henry M. Murray works with many different insurance companies, not just one. This allows us to give you several rates and compare several options side-by-side with no obligation or pressure to buy a specific policy.
How Can I Get The Best Rates?
When you're comparing different auto insurance companies, you can't look at the cost by itself, you must also compare the amount and type of coverage. As an independent insurance agency, we can help you compare car insurance options from several carriers and determine which is the best value for your needs.
The most expensive car insurance isn't always the best coverage and the cheapest car insurance may not save you money in the long run. The best way to select your auto insurance coverage is to meet with an experienced insurance specialist.
You can also save on the cost of auto insurance by insuring your home with the same carrier, maintaining a good driving record and paying for your car insurance in advance instead of monthly. Ask a Henry Murray agent about more ways to save money on car insurance.
Auto Insurance FAQs
What do I need to know before I buy car insurance?
There are several things you should consider before you buy insurance, that your independent agent will help you with:
- Do you own, lease or owe money on your vehicle?
- What is the age, condition and mileage of your vehicle?
- Do you need optional coverage like towing, rental car, etc?
- What is the driving history of you and members of your family?
Will my insurance policy cover another driver if I loan him/her my car?
Generally speaking, your insurance company will cover a legal driver to whom you've loaned your car.
Do I need to purchase extra rental car insurance from the rental car company?
Chances are, your auto insurance policy extends coverage from your personal auto policy to a rental vehicle. In most cases, the auto insurance will pay for repairs or replacement of the rental vehicle after you've met your deductible.
Consult with your independent insurance agent. Exceptions may occur if you do not have other than collision or collision coverage or if you are renting a vehicle outside of the U.S.
Do all auto insurance companies offer the same coverages and discounts?
Unfortunately, it is difficult to compare insurance companies because they offer differenet product options and rate programs. Nearly all insurance companies offer the same basic coverage including compulsory coverage (ex. liability, personal injury protection and uninsured motorist) as well as popular coverage like other than collision, collision and medical payments.
Where insurance companies differ from one another is in claims response, customer service, insurance premium discounts and deductible reductions. An independent agent at Henry M. Murray can help you compare various auto insurance companies and choose the one that's best for you.
Is special coverage available for new cars or antique cars?
Yes. Henry M. Murray offers options for both types of drivers. If you have a brand new car, ask about new car replacement options. Special insurance products are also available for antique and vintage car collectors.
What if I add new speakers, tires or other features to my car, truck or motorcycle?
Make sure you contact your independent insurance agent if you're adding more than $1,000 on to your vehicle in custom body work, wheels, audio, etc. You may want to consider adding an endorsement to protect against damage or theft.
Get an Auto Insurance Quote
What makes Henry M. Murray Agency the "best" insurance agency in Annapolis? Our customer service and support, plus the fact that we can offer you several auto insurance quotes and help you pick the one that's right for you. One of our experienced auto insurance agents will review your current policy to help determine what you need and find out if we can save you money.
Contact us today for an auto insurance quote. Call 410.417.6505 or request a quote online.