Car Insurance in Annapolis & Beyond
Hit the Road With Confidence
Finding the right auto insurance is about more than just a low price — it’s about having the protection you need when it matters most. At Simpson & Blom Insurance, we help Annapolis drivers secure coverage that balances affordability with dependable protection. From daily commuters on US-50 to families navigating local roads and coastal weather, we understand the driving conditions Maryland motorists face. Our goal is to help you feel confident every time you get behind the wheel.
What Does Auto Insurance Cover?
Liability Coverage
Required by Maryland law, liability coverage pays for injuries or property damage you cause to others in an accident. This includes bodily injury and property damage protection.
Collision Coverage
Helps pay to repair or replace your vehicle if it’s damaged in a collision, regardless of who is at fault.
Comprehensive Coverage
Covers non-collision incidents such as theft, vandalism, fire, severe weather, or damage caused by animals like deer.
Uninsured / Underinsured Motorist Coverage
Protects you if you’re involved in an accident with a driver who has little or no insurance. Maryland requires this coverage, making it a critical part of your policy.
Medical Payments / Personal Injury Protection (PIP)
Helps cover medical expenses for you and your passengers after an accident, regardless of fault.
Maryland Auto Insurance Requirements
Maryland law requires all drivers to carry minimum levels of liability and uninsured motorist coverage. While meeting the minimum keeps you legal, it may not fully protect you financially after a serious accident. Our team helps you understand these requirements and decide whether higher limits make sense for your situation.
Important Home Insurance Considerations
Many drivers are surprised to learn there are multiple ways to lower premiums without sacrificing protection. Here are a few strategies we commonly review with clients:
| Savings Strategy | What to Know |
|---|---|
| Bundle policies | Combining auto and home insurance often results in meaningful discounts. |
| Maintain a clean driving record | Safe driving habits can lead to lower rates over time. |
| Ask about discounts | Safe driver, good student, multi-vehicle, and usage-based discounts may apply. |
| Choose the right coverage levels | We help you balance deductibles and limits to fit your budget. |
Bundling your auto policy with homeowners insurance is one of the most effective ways to save. Learn more on our Home Insurance page.
Common Questions About Auto Insurance
What auto insurance is required in Maryland?
Maryland requires liability coverage and uninsured motorist coverage. Specific limits apply, and we can help explain how they affect your protection.
How can I save on car insurance in Annapolis?
Bundling policies, maintaining a good driving record, and reviewing discounts are some of the best ways to lower premiums. We compare carriers to find the best value.
Do I need full coverage on my car?
Full coverage typically includes liability, collision, and comprehensive insurance. It’s often required for financed vehicles and recommended for newer cars.
Can you help insure teen drivers or multiple vehicles?
Yes — we help families structure coverage for teen drivers, multiple vehicles, and changing household needs.
Why use an independent auto insurance agent?
Independent agents compare multiple insurance companies to find the right coverage and price — instead of offering just one option.