Auto Insurance

Auto Insurance can provide protection for you, your passengers and your automobile in the event of an accident. Policies may differ between states and even between auto insurance companies. Before buying any insurance, contact your dedicated customer service representative and discuss the requirements and recommendations for your state. The typical coverage’s found in most car insurance policies are as follows:

Bodily Injury / Property Damage Liability
Covers up to the policy limit if you are found legally responsible for bodily injury or property damage to others. Ask your customer service representative to help you select appropriate liability limits.

Medical Payments
Covers up to the stated policy limit for many necessary medical expenses for you and each occupant of your vehicle who is injured in an accident, regardless of who is at fault.

Uninsured / Underinsured Motorist
Covers up to the policy limit for your bodily injury and/or occupants of your vehicle if you have an accident with the owner or operator of an uninsured or underinsured motor vehicle.

Personal Injury Coverage
Covers up to the stated policy limit for the cost of many medical expenses and/or loss of income as the result of an accident for you, occupants of your vehicle or an insured person who is a pedestrian.

For more information or for a quote on your individual or business insurance needs call Dean Insurance at 410-838-3700 or click here to email us!

Optional Auto Insurance Coverages

Comprehensive (also known as "other than collision")
Covers the cost of repair or replacement of your vehicle, up to its actual cash value, for damage caused by a hazard like fire, theft or glass breakage. Damage caused by hitting an animal, such as a deer, would also be covered under "Comprehensive." Note: A deductible may apply.

Collision
Covers the cost of repair or replacement of your vehicle, up to its actual cash value, minus a deductible, for damage caused by a collision.

Transportation Expenses (rental)
Reimburses you up to the stated policy amount for the cost of alternate transportation while your vehicle is being repaired or replaced due to a covered collision or "other than collision" loss.

Towing and Labor
Provides coverage for towing and certain road service 24/7. Policies may differ significantly so it is important to read your policy and speak with your customer service representative if you have any questions about this option.

Gap Coverage (Auto Loan/Lease Coverage)
Reimburses you after a total loss of your insured vehicle for the difference between the actual cash value of your vehicle and the amount you still owe on its purchase money loan or lease.

Discounts
Various discounts may be available to you including auto/home combination discount, multi-car discount, loss-free discount, Good student discount, and discounts for various safety/security devises such as air bags, anti-lock brakes and anti-theft systems.

Frequently Asked Questions

What can I do to reduce the cost of my car insurance?

• The most important factor in holding down the cost of automobile insurance is a clean driving record. Any history of accidents and/or moving violations in the prior 36 months can significantly increase cost of your automobile insurance.
  
• Insuring your car and your home with the same insurance company usually qualifies you for a significant discount. Your Dean Insurance Agency customer service representative can help you choose the best company to fit your needs and receive the auto/home discount.
  
• Youthful drivers can earn substantial savings by maintaining a"B" average in school. This qualifies them for the "Good Student Discount."
  
• Increase your deductibles - You can reduce the cost of the physical damage coverage on your car by accepting higher deductibles on your collision and/or comprehensive (other than collision) coverage. Ask your customer service representative to quote higher deductibles and decide whether it would be worthwhile to increase them.

Why do insurance companies use credit scoring when they calculate my rates?

• Insurance companies are in the business of predicting the future by using statistics. Many factors go into determining the insurance premiums you pay. A few of these factors include accident statistics for the area where you live, the distance you drive to work each day, the type of car you drive, your age, marital status, your driving record and your credit score. The credit score is only one small component of many in determining your insurance premium. It is used because studies have proven that on average, people with better credit scores have fewer insurance claims.

Do the big insurance companies I see advertise on TV really have better rates?

• Not necessarily. In fact some of the discount claims you see on TV are really not all that great. One well known TV ad speaks a lot about saving 15%. In reality 15% is no big deal compared to all the savings you could receive with the auto/home, multi-car, loss free and good student discounts at Dean Insurance Agency, Inc.

My driving record isn't the greatest. Can I still get insurance?

• Yes as long as you hold a valid Maryland Drivers License, our dedicated service representatives can help you obtain insurance. We work with several insurance companies that specialize in covering drivers with tickets, accidents and even DUI charges. Naturally these special programs cost more but as soon as your record is cleared up we will help you transition back to a standard program with lower premiums.

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