Expertise.com

2024

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Best Local Car Insurance Agencies in Germantown, MD

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Germantown Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

55Reviewed

35Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

20440 Century Boulevard, Germantown, MD 20874
WebsiteLicense: 2141996

Expertise.com Rating

Review Sources

Facebook
5.0 (123)
Google
5.0 (22)

Why choose this provider?

Congressional Insurance Associates is an independent agency that has over 60 years of overall insurance expertise within it’s local team and has been in operations since 2014. It serves the insurance needs of the families and businesses in the Germantown area. Working with partner companies, its team of agents provides the right policy for the client's assets such as home or commercial property, personal and corporate vehicles, as well as individual life insurance. To help educate clients, the agency shares insurance guides for its clients on its social media page.

  • Multiple Carriers

20251 Century Boulevard, Germantown, MD 20874
WebsiteLicense: 2230

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
4.2 (5)

Why choose this provider?

Moody Insurance Worldwide is an insurance company in Germantown that has a variety of insurance products for personal and commercial lines. The firm offers an auto policy for standard vehicles and high-valued cars that covers physical damages and liabilities. Its team can shop on behalf of its clients to find the coverage and rate that best fits their needs among insurance carriers. Moody Insurance has been featured in Washington Business Journal’s Book of Lists as one of the top 25 largest insurance brokers in the Metro DC area.

  • Multiple Carriers

20030 Century Boulevard #201, Germantown, MD 20874
WebsiteLicense: 151710

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

Preferred Insurance Solutions assists Germantown's young and seasoned drivers to protect their vehicles with auto insurance coverages. The business has been handling insurance matters since 2000. Its team reviews vehicle protection policies and conducts insurance adjustments based on clients' changing lifestyles and needs. Auto coverages available include liability, comprehensive, and collision. Additionally, the service provider represents insurance companies like Erie Insurance, Progressive, Travelers, and AIC. Co-owner Gary Phelps was a former manager of a national insurance company for 16 years.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

20030 Century Boulevard, Germantown, MD 20874
WebsiteLicense: 100019388

Expertise.com Rating

Review Sources

Google
4.9 (52)

Why choose this provider?

Jay Jarvis, a State Farm insurance agent, provides services in Germantown and the surrounding communities. Jay and his team work on crafting the right policy and searching for the best company that will meet their clients' needs, from families to businesses. The agency offers protection for life, home, cars, and commercial properties. When an accident happens, the car policy can protect its clients from liability, damage repairs, and all other expenses. Furthermore, Jay and the team are always fueled by honesty and integrity to serve.

  • Bundling Option

12410 Milestone Center Drive, Germantown, MD 20876
WebsiteLicense: 100041775

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

C insurance is a full-service agency in Germantown providing property and casualty insurance in its locality. Some of the insurance it offers include auto, homeowners, business, life, health, and renters coverage. C Insurance has ties with many insurance companies, which means it can offer a variety of insurance coverage to their clients. By providing customized and responsive customer service, the agency hopes to build a lifelong relationship with its clients.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Congressional Insurance Associates - Germantown
20440 Century Boulevard, Germantown, MD 20874
Moody Insurance Worldwide
20251 Century Boulevard, Germantown, MD 20874
Preferred Insurance Solutions
20030 Century Boulevard #201, Germantown, MD 20874
Jay Jarvis
20030 Century Boulevard, Germantown, MD 20874
C Insurance
12410 Milestone Center Drive, Germantown, MD 20876

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Does Germantown follow no-fault laws in car accidents?

    No. Germantown follows Maryland's at-fault laws in car accidents. This means that the at-fault driver is responsible for compensating the injured for losses such as medical bills, pain and suffering, property damage, and missed wages. The liability insurance of the at-fault driver primarily pays for this compensation because each driver in the state is required to carry one. The minimum liability amounts are as follows:

    • $30,000 for each person's injuries or death.
    • $60,000 per accident.
    • $15,000 for property damage.
  • In general, is getting car insurance in Germantown expensive?

    On average, it costs around $1,840 a year to get full-coverage car insurance in Germantown. This is slightly lower than the statewide average of $2,005. It is also about 17% lower than the $2,216 nationwide average. Insurance premiums are affected by factors such as the population in Germantown and its number of uninsured drivers, as well as how many claims have been submitted in the area.

  • How do you report carjacking to the police in Germantown?

    Always call 911 to report a carjacking crime in progress. For an ongoing non-emergency incident, call the Montgomery County Department of Police at 301-279-8000 to receive an immediate response. If you need to submit a carjacking tip, dial 1-866-411-TIPS (8477). The MCPD 5th District Station is located at 20000 Aircraft Drive, Germantown, Maryland 20874.

  • What can you do if your insurance in Germantown for Kia and Hyundai vehicles has been denied?

    File a complaint to the Maryland Insurance Administration by calling 1-800-492-6116. The MIA has reported that most major insurers in the state still continue to issue policies for affected Kia and Hyundai models. If you want to know which of these models are affected, call the dealership nearest Germantown. Reports of insurance denials came after a social media trend went viral, exposing the vulnerability of these models to theft.

  • When should you get guaranteed auto protection (GAP) insurance in Germantown?

    If you have both collision and comprehensive coverage in your insurance policy, you can purchase GAP insurance as an option. It provides valuable coverage if you have a loaned or leased vehicle because it will reimburse the difference between the vehicle's actual cash value and the present remaining debt on your lease or loan. This is applicable when your car in Germantown is considered a total loss after a covered incident, such as theft and accident.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.