Auto insurance rates in Maryland—and across the country—are on the rise, with some increases reaching up to 50%. In this series, Attorney Joe Bowers walks you through his top 10 insurance hacks to help cut costs, boost coverage, and avoid painful surprises when it matters most. In this first installment, he covers tips 10, 9, and 8—starting with some common but costly misconceptions.

Many people stick with the same insurer for years, believing that loyalty will be rewarded. Unfortunately, that’s rarely the case. Insurance companies don’t treat long-term customers better—they treat them like numbers. Even “loyalty perks” like vanishing deductibles or rate locks tend to be temporary or tied to very specific conditions. The bottom line: shopping around can often save you money and improve your coverage.

Insurance policies are full of exclusions, limitations, and hidden pitfalls that can destroy your claim when you need help the most. Bowers offers free insurance policy reviews to anyone—client or not—who wants a second opinion. He’s seen the difference between agents who write solid, protective policies and those who cut corners. If you’re unsure, get your policy reviewed now, especially if you bought it online without guidance.

We’re all guilty of letting things slide—especially when policies are on auto-renewal and payments are on autopay. But when it comes to auto insurance, “set it and forget it” can cost you big. Policies need to be reviewed regularly for changes in the law, life circumstances (like a new driver or vehicle), and potential gaps. Joe will even review your policy every year, free of charge—no strings attached.

Want to make sure you’re not overpaying or underinsured? Start by reviewing your policy now. Contact Bowers Law. Whether you’ve been with your company for 20 years or just signed up, it pays to know exactly what you’re getting—and what you’re not.

The post Top 10 Auto Insurance Hacks for Maryland Policies Part 1 of 4 first appeared on Bowers Law.