When shopping for auto insurance, finding the best Delaware insurance agency is not as easy as just using the same insurance agent as your neighbor. Consumers need a decent agent, but also the best price on auto insurance.
Companies like Progressive, Geico and Farmers Insurance all promote huge savings with ad campaigns and it can be hard to see past the corporate glitz and take the time to shop coverage around.
Shop online but buy locally
Licensed agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.
By using this simple form, your insurance data gets sent to participating agents in Georgetown who will battle for your coverage. There is no need to leave your house due to the fact that quote results will go to the email address you provide. How cool is that?! You’ll get the best rates and an insurance agent to talk to.
Picking an insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:
- Who are their largest clients?
- Do they carry Errors and Omissions coverage?
- Are they full-time agents?
- Do the companies they represent have a solid financial rating?
- What will you get paid if your car is a total loss? How is that amount determined?
Two types of insurance agents
If you’re trying to find an insurance agent, you need to know there are two types of insurance agents to choose from. Insurance agencies in Georgetown are either independent or captive.
Captive Agents
Captive insurance agents have only one company to place business with and some examples include State Farm, Allstate and AAA. Captives cannot shop your coverage around so they have no alternatives for high prices. Captive agencies receive extensive training on their products and sales techniques and that can be a competitive advantage.
Below is a short list of captive agencies in Georgetown willing to provide comparison quotes.
State Farm Insurance – 522 E Market St – Georgetown, DE 19947 – (302) 856-7724
Independent Agencies or Brokers
These agents are not employed by any specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies. When shopping rates, it’s a good idea to include at least one independent agent for maximum quote selection.
Listed below is a list of independent agencies in Georgetown willing to provide comparison quotes.
Masten Insurance Svc – 13 Bridgeville Rd – Georgetown, DE 19947 – (302) 856-9778
King Crop Insurance – 600 E Market St – Georgetown, DE 19947 – (302) 855-0800
To view a full list of insurance agents in Georgetown, please go to this site.
After getting acceptable answers to any questions you have in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that is a good match to insure your vehicles.
But what about buying from online companies?
Professional insurance agents are indespensible for some people, but Delaware car insurance can also be bought direct from companies online. Certain companies, such as State Farm, Allstate and Farmers, who employ agents also allow you to get quotes and purchase online, and that can save time if you want to do it yourself.
If you’re concerned about not receiving proper advice, that should not be a issue. Auto insurance companies give you access to trained agents to help you decide which coverages are appropriate. Most companies also provide extensive coverage information and 24/7 assistance to clarify any questions you may have.
Can you save money buying online? The answer is complex because of the number of factors that influence the price you pay. Some people think that a shopper who purchases direct prevents the agent from taking a cut. But that assumption is generally incorrect because the cost of constant advertising is expensive so this can offset any savings.
In conclusion
Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, policy cancellation, high rates after DUI convictions or even delays in responding to claim requests. Regardless of your reason, choosing a new company can be pretty painless.
Cheap auto insurance can be sourced from both online companies as well as from independent agents in Georgetown, so compare prices from both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and most of the time these small insurance companies sell through independent agents.
Learn more about Delaware auto insurance
More tips and info about auto insurance can be found at the Delaware Department of Insurance website. Delaware drivers can file complaints about an insurance agent or broker, find a variety of consumer forms, discover disciplinary actions, and find disaster information.
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