Consumer Information for Researching a Dover Auto Insurance Agent

If you’re looking for a licensed insurance agent in Dover, you can start your research on the internet rather than looking in the yellowpages. Chances are you want a decent agent, but you also want to find the best rates possible.

With independent agents, Allstate and State Farm all competing for your business, it’s difficult to determine which one will provide you with the cheapest rates and the best coverage. Fortunately, you can use insurance quotes online to assemble a group of agents and price estimates.

Best way to find Dover agents

Good agents can help determine the best coverages and help you file claims. One of the great benefits of getting online price quotes is that you can obtain better rates and still choose a local agent. And supporting local agencies is definitely important in Dover.

To help locate an agent, after submitting this simple form, the coverage information is immediately sent to local insurance agents who will compete for your business. You don’t have to visit any agencies as quotes are delivered directly to your email. How cool is that?! It’s the lowest rates and work with a local agent.

Choose an insurance agent wisely

If you’re trying to find a local agent, there are two different types of agents that you can select. Insurance agencies in Dover are classified as either independent or captive.

Independent Agents

Independent agents are not required to write business for one company but rather can write business with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.

When shopping rates, we recommend you include at a minimum one independent agency to have the most options to choose from.Most can insure with smaller regional carriers which can be an advantage.

Listed below are independent agencies in Dover willing to provide rate quotes.

  • Richard Parsons Agency – 155 N Dupont Hwy – Dover, DE 19901 – (302) 674-2810
  • A To Z Insurance Inc – 1447 S Governors Ave – Dover, DE 19904 – (302) 730-8250
  • Prudential Insurance Co – 1244 Forrest Ave – Dover, DE 19904 – (302) 734-5351
  • Glenn Deaton Agency – 905 N Dupont Hwy # A – Dover, DE 19901 – (302) 734-3700
Agency Captives

These agents can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable on the products they sell which can be an advantage. Some people will only purchase coverage from captives mostly because of loyalty to the company and solid financial strength.

The following are Dover captive insurance agencies that can give you rate quotes.

  • State Farm Insurance – 450 S Dupont Hwy # B – Dover, DE 19901 – (302) 674-2992
  • Allstate Insurance – 494 N Dupont Hwy – Dover, DE 19901 – (302) 736-6475

To view a full list of captive agencies in Dover, visit this site.

Deciding on a car insurance agent requires more thought than just a low price. These questions are important to ask:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How much will you save each year by using a higher deductible?
  • Is the agent and/or agency licensed to do business in Delaware?
  • Can glass repairs be made at your home?
  • How are they compensated?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Does the agency support the community they serve?
  • Can they provide you with a list of referrals?

Once you have received reasonable responses for all questions you ask and an affordable coverage quote, chances are good that you have found an insurance agency that will service your policy.

Online companies should get a look

Auto insurance agents are perfect for certain consumers, but Delaware car insurance can also be bought from companies direct over the internet. Some companies who employ agents also let you buy direct online, and that can save time.

If you’re concerned about not having an insurance agent’s advice when buying online, this really isn’t an issue. Car insurance companies provide access to licensed agents to help you decide which coverages are appropriate. They also offer help pages and frequently asked questions that you can use if you have questions.

Does car insurance cost less online? It’s hard to say exactly due to the large number of individual components that determine the price you pay. Common logic is that a shopper who purchases direct lowers rates due to not having any agent compensation. But the reality is online and traditional media advertising are expensive and that can quickly cost more than paying an agent.

Additional auto insurance information is located on the Delaware Department of Insurance website located here. Consumers can file complaints about an insurance agent or broker, view a list of available companies, read enforcement actions against agents and companies, and find a variety of consumer forms.

More related Dover auto insurance information:

Dover Delaware insurance agents

And the best car insurance company is…

Drivers leave their current company for a variety of reasons including poor customer service, questionable increases in premium, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company is easier than you think.

Lower-priced auto insurance can be sourced both online as well as from independent agents in Dover, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.