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Posted: Wednesday, March 7, 2018 12:07 PM


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For example, a distance-based system may not distinguish between highway, city street, or rural back road driving. (Premiums can vary by zone to minimize this effect.) A telemetric system may charge a driver who speeds, but otherwise drives in a safe manner, more than a slower driver who changes lanes abruptly, or drives in an inattentive or careless manner. In most states, auto insurers face further restrictions in setting rates based on data they collect. Everybody wants to think they're a safe driver. Of those earning a discount, the average savings is nearly 15 percent. The program allows customers with traffic violations the opportunity to have corresponding rate increases waived from their policy based on improved driving habits. Targeting two-thirds of Maryland drivers, primarily urban population, who acquire fewer than 12,000 miles mileage on their odometer each year. Some cars just cost more to insure than other cars. Variables include the cost of the car itself, the likelihood of theft, the cost of repairs, and the overall safety record of the vehicle. In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Teenage drivers who have no driving record will have higher car insurance premiums. However, young drivers are often offered discounts if they take further driver training through recognized courses. Drivers can be assessed two different types of points on their record, driver's license and insurance points. Inquire with your insurer to determine their policies regarding this. Insurance companies don't want to insure a bad risk and one of the strongest indicators of that risk is whether or not the individual in question has been convicted of a number of moving violations because those bad habits will probably lead to causing accidents. Drive safely at all times and be alert.

Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Bodily Injury  

The city's population was 65,239 people at the 2010 United States Census, making it the second-largest incorporated city in Maryland. As of 2009, 27.5% of the city's population was under the age of 19, 24.5% were between 20 and 34, 28.1% were between 35 and 54, 9.0% were between 55 and 64, and 10.5% were 65 years of age or older. The median age of a Frederick city resident for 2009 was 34 years. For adults aged 18 or older, the population was 48.6% male and 51.4% female.

Official website for the city of Frederick MD

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• Location: Frederick, Maryland

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