Broker Check

Auto Insurance Sykesville, MD

Great Auto Insurance Coverage for Sykesville

Looking for a top-notch deal on your auto insurance in Sykesville? You're in exactly the right place.

Here at the Rice Agency, we've built our reputation on highly competitive auto coverage rates backed by outstanding customer service.

And because we're local, we know our clients and they know and trust us -- something you won’t get with a long-distance agency or an anonymous customer service rep.

Furthermore, as an independent agent, we're not tied to a single insurer. We work with all the leading providers. That means we can shop around for the best deals for our Sykesville clients, secure valuable discounts, answer questions and provide support when you need it.

When you choose the Rice Agency, you have your own personal customer representative right here, supported by the expertise of one of the fastest-growing agencies in Maryland.

The Rice Agency Sykesville Car Insurance Program

Working with scores of satisfied car insurance clients, we use a custom auto coverage program tailored to your needs and your budget.

Your policy can be as simple as meeting the minimum legal requirements for driving in Maryland or a wide-ranging policy that protects you against virtually all the risks you face on today's busy highways.

We'll provide the answers to your questions and the advice you need to make the best-informed decisions, and we'll be here for you if you need to make a claim.

What You Need to Know About Sykesville Car Insurance

You need car insurance to drive on Maryland roads. You must have auto liability coverage -- that's protection against lawsuits and other costs if you cause an accident -- for third party injury and damage. Third party means other people and their vehicles or property, not you, your car or your passengers.

It's very limited protection but you must have coverage for up to $30,000 per person for injury, or a total of $60,000 per incident. You also need $15,000 of protection for property damage.

State law also requires you to have coverage if you're in an accident caused by an uninsured or underinsured driver.

If you don't have insurance, you could lose your license plates and vehicle registration, and pay a fine plus other fees. It's seriously not worth it!

Car Insurance Options for Sykesville Drivers

Legal minimum liability insurance is unlikely to provide enough protection for most drivers. If you're in an accident, you could end up seriously out of pocket.

The Rice Agency's custom Sykesville car insurance program is built around options that give you the protection you really need.

These are:

  • Realistic liability coverage, based on your risk factor and our knowledge and experience of legal settlements for victims. We'll discuss this with you at the outset.
    You can even have 'umbrella insurance' to raise your liability coverage if your main policy limits are breached.
  • Personal injury protection (PIP) -- covers medical payments, lost wages and other costs for you and your passengers no matter who causes the accident.
  • Collision insurance -- for damage to your car when you're responsible for a collision or if you flip the car.
  • Comprehensive insurance -- covers you against risks like fire, vandalism or theft, or if something else, like a falling tree, damages your car.
  • Additional liability coverage for accidents caused by an uninsured or underinsured driver.

Your policy will also allow other people to drive your car, with your permission. And it can provide coverage for extra charges you might face when you hire a car.

Why Rice is Right For You

There are many things that can affect your Sykesville car insurance choice -- like your age, your driving record, the value of your car, and the amount you pay from your own pocket at the start of a claim (the deductible).

We make these things easy to understand and guide you to a wise choice. Plus, we can provide coverage for young drivers and for owners of antique of collectible vehicles.

Furthermore, we are often able to secure valuable discounts for our Sykesville clients based on things like the level of deductible you opt for, where you park your car, whether you've completed a safe driving course, whether you have another policy with your insurer, or drive low miles.

It's these personal touches and money-saving approaches that make the Rice Agency stand out from the rest.

Don't Delay -- Act Now

If you're reviewing an existing car insurance policy or just starting out with a newly-owned vehicle, contact the Rice Agency now.

We can arrange a fast quote, or selection of quotes, at no cost and without any obligation on your part.

You get the answers you need. We do the rest!