As we wrap up our four-part series on Maryland auto insurance hacks, attorney Joe Bowers shares the last two — and possibly most impactful — tips on how to save money and strengthen your policy. Even if you’ve already made some improvements, these final suggestions could make the biggest difference in both cost and protection.

While Joe previously urged listeners not to be afraid to switch carriers, this tip goes a step further: get multiple side-by-side quotes using an independent broker. These brokers can check 20 or more companies to find the best match for your specific needs. Some insurers are better suited to high-risk drivers, others to families or homeowners. Don’t just call a 1-800 number or fill out an online form — real savings come from working with a local agent who understands your unique situation.

The most powerful tip is also the most personal: understand what you need from your insurance policy. That means knowing how much coverage makes sense for your lifestyle, vehicle value, homeownership status, and financial goals. Joe offers free insurance reviews to anyone — not just clients — to help people determine whether they’re underinsured or paying for things they don’t need. It’s about protecting yourself adequately, not just legally.

Many Maryland drivers carry only the minimum state coverage, not realizing how quickly that falls short in a real accident. Joe explains how driving a $60,000 car with only $15,000 in property damage coverage can be a disaster waiting to happen. The key is aligning your coverage limits with your financial exposure, not just what the law requires.

Joe stresses that insurance agents who know you can help you make smarter choices. A live, local agent can explain how increasing PIP coverage or adjusting liability limits might only cost a few dollars more — but could save you tens of thousands in the event of a serious accident. And since Bowers Law only handles auto injury cases, their team knows exactly what coverage types prove essential when things go wrong.

To recap, the full list of auto insurance hacks includes:

Don’t be afraid to switch

Read the fine print (or have Joe do it)

Review your policy every year

Ask about discounts

Increase your deductible

Maintain a good driving record (and credit score)

Bundle policies

Understand your coverage

Compare quotes

Know your needs

If you want help understanding your policy — or if you’re thinking about shopping around — Bowers Law offers free insurance policy reviews to Maryland drivers. Whether you’re a client or not, Joe will walk you through what your coverage actually means, and where you might be at risk. Want to know if you’re getting the best deal and the right protection? Contact Bowers Law today.

The post Top 10 Auto Insurance Hacks for Maryland Part 4 of 4 first appeared on Bowers Law.