Find Rock Solid Methods to Save on Dagsboro, DE Auto Insurance

If price shopping auto insurance online is new to you, you may be overwhelmed because of the huge number of online companies competing for business in Dagsboro.

You should take the time to compare prices occasionally due to the fact that insurance rates change frequently. If you had the lowest rates a year ago other companies may now be cheaper. So just ignore everything you know about auto insurance because you’re going to get a crash course in how to use the internet to remove unneeded coverages and save money.

If you have insurance now or are just looking to switch companies, you can use this information to reduce the price you pay and still get good coverage. Pricing more affordable auto insurance coverage in Dagsboro is simple if you know the tricks. Delaware drivers only need an understanding of the proper methods to get comparison rates on the web.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
• Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
• Senior Citizens – Mature drivers may receive reduced rates.
• Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
• One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
• Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.

Keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

Tailor your coverage to you

When buying proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

• How high should my medical payments coverage be?
• Do I have coverage when pulling a U-Haul trailer?
• Are my tools covered if they get stolen from my vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is my vehicle covered for flood damage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Is there deception in advertising?

Delaware consumers constantly see and hear ads for cheaper car insurance by companies like Allstate, GEICO and Progressive. All the ads make an identical promise about savings if you switch to them.

How does each company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the type of customer that makes them money. For example, a desirable insured could be over the age of 50, has no driving citations, and chooses high deductibles. Any new insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who are not a match for this ideal profile will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that much. That is how insurance companies can state the savings. Because of the profiling, it is so important to quote coverage with many companies. It’s impossible to know which insurance companies will fit your personal profile best.

Read more about Delaware auto insurance

More tips and info about auto insurance is located at the Delaware Department of Insurance website. Delaware consumers can read industry bulletins, file complaints about an insurance agent or broker, discover disciplinary actions, and find out which companies have the most complaints.

Other useful links include Auto Insurance 101 and CarInsuranceDIY.com.

One last thing

We covered quite a bit of information on how to reduce auto insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the lesser-known companies.

Insureds change insurance companies for any number of reasons including not issuing a premium refund, high rates after DUI convictions, denial of a claim and being labeled a high risk driver. It doesn’t matter what your reason, switching companies is easier than you think.

The cheapest auto insurance is attainable from both online companies and also from your neighborhood Dagsboro agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.