Auto Insurance Quote Forms
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Auto Insurance Information
From accidents caused by slippery roadways to parking lot fender benders, the risks facing MD and DE drivers are many. We routinely provide motorists in Fruitland, Salisbury, Delmar, and the surrounding areas in both Maryland and Delaware with comprehensive auto insurance.
At Mann & Gray Insurance Associates, we take a consultative approach to insurance. Whether a new teen driver or seasoned veteran, we work with our clients one-on-one to determine needs and exposures en route to the right policy.
Liability Coverage, Collision Coverage, Accident Forgiveness and More
By working closely with our clients to identify risks, we are able to match them with the right coverages. In addition to insurance for motorcycles, classic cars, high- performance cars, and non-standard cars, we also offer traditional products such as:
Liability Coverage (Delaware and Maryland)
Uninsured & Underinsured Motorist Coverage
Minor Violation Forgiveness
24-Hour Customer Service
Personal Injury Protection (PIP)
Medical Payments Coverage
After identifying the appropriate coverages, we turn to reputable carriers such as Nationwide, Progressive, and Travelers for the best price and policy. You could also be eligible up to a 15% discount for insuring your home and auto under the same company. To get started, request a quote.
Keeping Our Clients Protected
At Mann & Gray Insurance Associates, we take your auto insurance seriously and will ask all the important questions to ensure that the right policy is in place. We are dedicated to providing exceptional customer service and always have our customer’s best interest in mind. We are there to answer any of your questions or concerns.
Contact us at your convenience to learn more about our products and services for drivers.
Common Auto Insurance Questions:
By purchasing the right coverage, auto insurance is a paid agreement between the insured and the insurer that, in the event of an accident, the insurer will step in and help cover some of, if not, all of the costs resulting from a damaged vehicle depending on the type of coverage. In turn, drivers can feel some type of safety knowing that, if an accident occurs, they will be provided financial assistance.
Vehicle damage can get very expensive if an accident is severe enough, and auto insurance is a guarantee that you will be assisted in covering those expenses. In the event of an accident, you would file a claim against your policy for aspects of the accident you are responsible for and your insurance will then give you financial assistance in covering some of the costs.
It’s important to understand that having quality coverage will limit your out-of-pocket costs, rather than digging yourself into significant financial debt.
The average auto insurance policy can offer numerous benefits, including:
Liability insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.
Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.
Property damage liability coverage: This pays for damage to the other party’s property.
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
All Maryland vehicles MUST be insured at ALL times by a vehicle insurance company licensed in Maryland. Your vehicle insurance must cover, at a minimum:
$30,000 bodily injury liability coverage per person
$60,000 bodily injury liability coverage per accident
$15,000 property damage liability coverage"
In Delaware, all drivers are required to carry three types of auto insurance:
1. Bodily Injury Protection - $25,000/$50,000
If you are responsible for the injury or death of another person and have minimum coverage, your insurance company will pay up to $25,000 to one person involved in a single accident and up to $50,000 to all people involved in a single accident, with no more than $25,000 to any one person.
2. Property Damage - $10,000
If you are responsible for damages to another person’s property and have minimum coverage, your insurance company will pay up to $10,000 due to destruction of property of others as a result of any one accident
3. Personal Injury Protection (PIP) - $15,000/$30,000
Whether you are responsible for the accident or not, your insurance company will pay for the medical expenses and loss of wages for you and your passengers. If you have minimum coverage, your company will pay up to $15,000 to any one person involved in a single accident and up to $30,000 to all people involved in a single accident, with no more than $15,000 to any one person. Also included in PIP coverage is up to $5,000 for funeral expenses."
Depending on if you have financed your vehicle, you also may be required to other types of insurance such as collision, comprehensive and gap coverage.
Having more than just the bare minimum auto insurance coverage is essential. Our knowledgeable, experienced agents will help you determine the best policy.
Numerous factors can influence the cost of your auto policy, including:
Your chosen coverage limits
The value of your vehicle
Your driving accident history
Your history of claims on other auto policies
There is a possibility that drivers might pay different prices for the same type of coverage, but we will make certain to use our resources and find you the best policy for the most reasonable price. Do not sell yourself short when it comes to auto insurance.