Ask 10 people how their Auto Insurance premium is determined, and you’ll get 10 different answers. 

The reason that you'll get different answers is largely because of the many elements that influence the amount of your auto insurance premium.  In addition to the amount of coverage and type of coverage, insurers must consider many other factors – some of which you can control but others you cannot.  The relative importance and weight of these factors varies from insurer to insurer. Thus, your Auto Insurance premium will vary as well. 

Just what is involved? Check out this infographic from the Insurance Information Institute to see the WHAT and the WHY of factors that impact your auto insurance premium. http://bit.ly/2XUsrCB

Before you purchase an auto insurance policy, we suggest that you consult with a trusted insurance agent who will ask the right questions and get to know you.  Only then can your agent help you find the insurance policy that is right for you and explain the process involved in arriving at the amount you’ll pay. 

Do you already have Auto Insurance? Then, maybe it’s time to sit down with your agent to review your current coverage and determine whether you still have the best policy for your needs at the best rate available. 

Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium, MD to discuss your insurance questions.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances. 

When we get a referral from a client or a friend in the community like yourself, it means a lot to us.  The experienced agents here at William M. Sparks Insurance in Timonium, MD, work hard to earn each referral by providing “top notch” service with every call and visit.  Now, we’ve found a way to say thank you for this business through our Sparks Insurance Referral Program.   It’s our way of showing appreciation for all the referrals our loyal friends have sent our way.

Patti Click was our winner for Fall/Winter 2018.

We met with Patti to offer our appreciation and  present her prize -- a $125 Gift Card to Amazon.  

Could you be our next Referral Winner?

We'll be drawing another lucky winner in Spring/Summer 2019.  If you've been satisfied with our agency and share it with others, it could be your name that we draw next time.  Check out our website for the Referral Program details, and then decide who you know that could use the service and expertise of Timonium/Lutherville's best insurance agency.

By referring your friends, neighbors and family to William Sparks Insurance Agency, you can enjoy a win-win.  Not only will you be automatically entered into our drawing to be the next Referral Program Winner, but you will also have the satisfaction of knowing that you have helped those that you care about to have access to the best insurance service and expertise in Lutherville/Timonium and beyond. 

See our website for all the Referral Program details.

Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium, MD to discuss your insurance questions.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.

Improving on the maintenance of your home likely did not make your list of top ten New Year’s Resolutions this year, but perhaps it should have.

Keeping your home secure and fit is just as important as keeping yourself in shape. Each has its own set of consequences if not done regularly, and each must be done year-round and changes with the seasons. Not buying it? Then consider this: time and effort spent taking care of your home can be measured in dollars and cents when you realize that homeowners insurance claims could be denied if an insurer determines that the loss could have been avoided through proper maintenance. That is not to mention keeping it secure for your family. So just what home related  tasks should you add to your resolutions this year?

READ MORE below to see the best resolutions to start with...

As a homeowner, you’ll want to take steps to avoid the risk of various liability issues during this Halloween season.  It’s a spooky night by design, but mischief can prevail and vandalism can result.  Likewise, there is always a greater potential for accidents such as slipping and falling that could cause injury as trick-or-treaters and other guests visit your property on Halloween.  Just as importantly, it might well be a challenge to restrain your pets as the doorbell rings repeatedly and strange voices carry through the house – not to mention all the scary and unfamiliar costumed visitors. 

Even so, it’s difficult not to be drawn into the fun.  So if you do intend to participate, the following tips might help you to enjoy a Halloween evening that is more a treat than a trick.