Expensive auto insurance can empty your savings account and force you to prioritize other expenses. Doing a price comparison is a great way to slash your bill and have more diposable income. Drivers have multiple insurers to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to find the best rates for your vehicles.
How to Compare New Castle Auto Insurance Costs
All major auto insurance companies like Progressive, Allstate and Geico give prices for coverage directly from their websites. This process is pretty easy as you just enter your personal and coverage information into a form. After you complete the form, their rating system pulls reports for credit and driving violations and generates pricing information. Being able to quote online helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to get many rate quotes if you are searching for the lowest price.
A more efficient way to get multiple rate quotes makes use of a single form to obtain quotes from many companies. It saves time, requires much less work on your part, and makes price shopping online much simpler. As soon as you send your information, it is rated and you are able to buy any one of the quote results. If a lower price is quoted, you can click and sign and buy the new coverage. It can be completed in less than 10 minutes and can result in significant savings.
To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate as shown on your current policy. This makes sure you will have a rate comparison based on identical coverages.
Neighborhood insurance agents
Certain consumers would prefer to visit with an insurance agent and that is just fine! Good agents can answer important questions and give you someone to call. The biggest benefit of price shopping on the web is you may find the best rates but still work with a licensed agent.
Once you complete this simple form, the coverage information is sent to agents in your area who will compete for your insurance coverage. You won’t need to even leave your home as quotes are delivered to your email. How’s that for easy!<img class="alignright" style="padding-top:15px" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-62.jpg" alt="lower rates in New Castle DE” />
Choosing an insurer needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they carry Errors and Omissions coverage?
- Do the coverages you’re quoting properly cover your vehicle?
- Are they able to influence company decisions when a claim is filed?
- If your car is in the repair shop, do you have coverage for a rental car?
Do you need an independent or captive insurance agency?
When finding local New Castle agents, you must know there are a couple types of insurance agents that you can select. Agencies in New Castle are either captive or independent (non-captive). Both properly insure your vehicles, but it’s good to learn the differences because it can influence the type of agent you choose
Captive Insurance Agents
Captive insurance agents write business for a single company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so always compare other rates. These agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.
Below is a list of independent agents in New Castle willing to provide price quotes.
Chuck Montgomery Insurance Inc – 101 Jestan Blvd – New Castle, DE 19720 – (302) 838-1123
New Castle Insurance LTD – 621 Delaware St # 100 – New Castle, DE 19720 – (302) 328-6111
To view a full list of insurance agents in New Castle, view this link.
Once you have positive responses to these questions and an acceptable price quote, most likely you have located an auto insurance agent that meets your needs to insure your vehicles.
More Delaware auto insurance resources
More tips and info about auto insurance is located at the Delaware Department of Insurance website. Delaware consumers can find disaster information, get help finding coverage, find a variety of consumer forms, and view agent and company licensing information.
Other useful links include this resource for Delaware auto insurance prices and this page where you can research New Castle insurance agents.