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08/10/2016
By: Josie P.
Baker Insurance Agency
I have been using Baker Insurance Agency for only six months, but already I can tell I made the right switch. As a new customer I appreciate the open availability to ask questions. They provide quick and clear responses.
09/01/2015
By: Marie P.
Baker Insurance Agency
I have only been a client here for a month now, but everything is great thus far. As a new client, I have had many questions and they have answered all of them thoroughly.
11/12/2015
By: Paige L.
Baker Insurance Agency
They are very friendly and they work hard to get you the best deal they can. They show they really care for their clients and I wouldn't want to go anywhere else.
02/03/2017
By: Courtney B.
Baker Insurance Agency
I have already recommended Baker Insurance Agency several times. You can tell they are a family owned business in shows in their customer service.
06/19/2015
By: Ben C.
Baker Insurance Agency
The staff here at Baker Insurance is wonderful. They are professional and they are just overall a great company. I highly recommend them.
11/12/2014
By: Dave F.
Baker Insurance Agency
Baker Insurance has always been there for us if we have any questions about our policies. They have been always been very helpful.
10/16/2015
By: Lacy Q.
Baker Insurance Agency
I've been very pleased with Baker Insurance Agency. I know that when I call them there will always be someone there to talk to.
01/13/2014
By: Stan B.
Baker Insurance Agency
I've only been with Baker since October of last year but at this point I can say I'm very likely to renew my policy with them.
06/23/2016
By: Brendon W.
Baker Insurance Agency
I have been very pleased working with Baker Insurance Agency of Hagerstown. Their staff are very knowledgeable and helpful.
12/15/2015
By: Dana D.
Baker Insurance Agency
I'm very pleased with their services. They work hard to make sure their clients are satisfied. I highly recommend them.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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