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Maryland Auto Insurance Agent

American Heritage Insurance Agency is a Carroll County, Maryland auto insurance agent representing numerous national and regional carriers that offer a wide range of personal auto insurance coverage. Our Maryland auto insurance agents will consider your exposures to risk and suggest the best combination of coverages that fit your lifestyle, your budget and other requirements.

We Offer Auto Insurance Policies for:

  • Personal automobiles
  • Classic cars
  • Exotic vehicles
  • Antique cars
  • Business vehicles

Auto Insurance Tailored to Your Needs

We realize that everyone’s situation is different and requires individual approach. A family with teenage kids about to start driving has different risks and concerns than a young bachelor who likes to drive sports cars. Also, if you are still making payments on your car, your lender may have certain minimal coverage requirements you have to follow. That’s why our agents would like to sit down with you and discuss your current lifestyle, driving habits and potential future changes, so that we can find the best possible coverage for YOU!

Shopping for Maryland Auto Insurance Policy

Comparing different auto insurance policies can be confusing and frustrating. That’s why it helps to have an experienced agent by your side to help you understand what you are purchasing. When helping you shop for your new auto insurance policy, we typically follow these steps:

  • Reviewing your automobile liability limits and physical damage deductibles.
  • Advising on optional automobile coverages such as towing, transportation expense, loan/lease gap and replacement cost coverage (for the new model year).
  • Checking whether you qualify for any discounts on auto policies.

We have helped find the perfect coverage for thousands of drivers over the last 30+ years. Our team is ready to help you find coverage that is tailored to you and your needs.

muscle car

Types of Automobile Coverage to Consider

Liability Coverage. This type of coverage is useful when you get in an accident and it’s your fault. Because Maryland is a fault state, the money to cover other driver’s damages typically comes out of the insurance of the person at fault for the accident. This is what liability coverage is for.

Collision Coverage. Just because you may be fully or partially at fault for the accident, doesn’t mean you can’t get insurance assistance to fix your own car. Your collision coverage will pay for any needed repairs resulting from the accident.

Comprehensive Coverage. This type of coverage extends far beyond auto accidents and covers such unfortunate events as car theft, vandalism, flood, etc. You may want to carefully consider comprehensive coverage even if you are a good driver, because it has to do with things that are often out of your control.

Contact our Maryland insurance agency to review your coverage needs and request an auto insurance quote.

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

Click here to view the areas that we serve

Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

We also serve the rest of Maryland and the United States.