800-437-3888 | 410-546-5575 ☰ ˟
Logo
Call 800-437-3888 | 410-546-5575
  • Home
  • Products
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Farm InsuranceImage of right arrow
      • Agribusiness Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • Annuities
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Personal Umbrella Insurance
      • Identity Theft
      • Data Backup
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Leave Management
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Your EmployeesImage of right arrow
      • Disability Insurance
      • Individual Life Insurance
  • Get a Quote
    • Auto Insurance
    • Homeowners Insurance
    • Farm Quote Request
    • Truck Quote Request
    • Commercial Auto Insurance
    • Coastal Property Insurance
  • Payment/Claims
  • Our Agency
    • About
    • Our Staff
    • Our LocationsImage of right arrow
      • Get Directions
    • Community Involvement
    • Our Company Partners
    • Contact Us
  • Contact Us
    • Mann & Gray Insurance Associates
    • Location & Hours
    • Get a Quote
  • Blog
Auto Icon

Auto & Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Poultry Farm Icon

Poultry Farm

We browse through a wide variety of coverages and find the right one for you.

Learn More
Truck Icon

Commercial Trucking

We browse through a wide variety of coverages and find the right one for you.

Learn More
Commercial Icon

Commercial Insurance

We browse through a wide variety of coverages and find the right one for you.

Learn More
Coastal Property Icon

Coastal Property

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Products > Auto Insurance | Car Insurance - Fruitland & Salisbury, MD & Delaware

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

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)
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured & Underinsured Motorist Coverage
  • Minor Violation Forgiveness
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • 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:

What is auto insurance?

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.

How does auto insurance work?

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.

What does auto insurance cover?

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:

 

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance

Is auto insurance required?

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.

What does auto insurance cost?

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

  • Where you live

  • How far you drive each year


There is a possibility that drivers might pay different prices for the same type of coverage, but we will make certain t
o 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.

Contact Us Today!
800-437-3888
410-546-5575

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

Mann & Gray
100 South Camden Ave.
Fruitland, MD 21826

P: 410-546-5575 | F: 410-742-2473 | E: manngray@comcast.net
© Copyright. All rights reserved. | Powered by Insurance Website Builder