Easy Methods to Pay Less on Frederica Delaware Car Insurance

Feel like you’re a prisoner to high-priced car insurance? Believe me when I say you’re not the only one. Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurer to find the absolute cheapest price

Comprehensive Frederica Car Insurance Comparison

Effectively comparing car insurance prices can be challenging if you don’t know the most efficient way to do it. You can waste a lot of time talking about coverages with insurance agencies in Frederica, or you could use online quotes to get rates in a matter of minutes.

Many companies participate in an industry program that enables customers to submit their information once, and every company then returns a price quote. This prevents consumers from doing repetitive form submissions to every company.

To compare rates using this form now click here to open in new window.

The only downside to comparing rates this way is you don’t know exactly which providers you want to price. If you would rather choose specific insurance companies to receive pricing from, we have a listing of car insurance companies in Delaware. Click here to view list.

Whichever way you use, compare the exact same coverages and limits for each comparison quote. If you compare different deductibles it will be next to impossible to decipher which rate is best in Frederica.

Don’t miss these discounts

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so here is a list both well-publicized as well as the least known car insurance savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
• Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
• Defensive Driver – Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

Drivers should understand that most discounts do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To choose insurance companies offering car insurance discounts in Delaware, click here to view.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get lower car insurance prices.

• Multiple policies with one company can save – Most insurers will award you with lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount, it’s in your best interest to compare other company rates to ensure the best deal. You may still be able to find better rates by splitting coverages up.
• Rural vs Urban Areas – Being located in a rural area has it’s advantages when insuring your vehicles. Fewer people means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large Delaware cities regularly have congested traffic and longer commute times. Higher commute times can result in more accidents.
• Your credit rating is important – Credit score is a huge factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit score is low, you could be paying less to insure your by improving your credit score.
• High deductibles save money – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, and windstorm damage. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance.
• Lower rates come with age – More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be less responsible when driving and because of this, their car insurance rates are much higher.
• Extra add-on coverages are wasting money – There are a ton of add-on coverages you can purchase on your policy. Coverages like personal injury protection, better glass coverage and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.

The car insurance bait and switch

Delaware drivers can’t get away from ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim of big savings if you move your coverage to them.

How can each company say the same thing? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. An example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don’t meet the requirements will be charged more money which usually ends up with business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that much. This is how companies can truthfully state the savings. That is why drivers must get as many comparisons as possible. It’s impossible to know which insurance companies will fit your personal profile best.

And the best car insurance company is…

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to get the best coverage possible at an affordable rate.

We just presented a lot of techniques to lower your car insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even find the biggest savings come from the smaller companies. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

More consumer information in Delaware

More detailed Delaware car insurance information can be found at the Delaware Department of Insurance website. Visitors are able to find a variety of consumer forms, find disaster information, read consumer alerts, and read industry bulletins.