Consumers Guide to Finding a Bethany Beach Insurance Agency

To find an insurance agent in Bethany Beach, DE, we recommend you start your search on the internet to save time. You need a great agent that can assess your needs, but also the best possible rates.

Many insurance agents compete to insure your vehicles, and it can be difficult to compare rates to get the lowest rate

Buying auto insurance from a local Bethany Beach agent

Professional agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is the fact that you can find better rates and still choose a local agent.

By using this form (opens in new window), your information is submitted to local insurance agents who will return price quotes to get your business. There is no need to drive around since price quotes are sent straight to your inbox. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

Deciding on an insurance agent shouldn’t rely on just the premium amount. Here are some questions to ask:

  • What is the agency’s Better Business Bureau rating?
  • Which members of your family are coverage by the policy?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How long has their agency been in business in Bethany Beach?
  • How much will you save each year by using a higher deductible?
  • How often do they review policy coverages?
  • Are you getting all the discounts the company offers?

Is a captive or independent auto insurance agent right for you?

If you’re trying to find an insurance agent, there are two types of insurance agents that you can select. Bethany Beach agents are categorized either captive or independent (non-captive).

Captive Insurance Agents

This type of agents can only write with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They are unable to shop your coverage around so they have no alternatives for high prices. Captive agencies are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.

Independent Agents

Independent agencies are not employed by any specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When searching for an agent, we recommend you include at a minimum one independent agency to get the best comparison.

Shown below are independent agents in Bethany Beach that are able to give rate quotes.

Evans Insurance Inc – 1100 S Coastal Hwy – Bethany Beach, DE 19930 – (302) 539-9052

For a complete listing of Bethany Beach insurance agents, click here to link.

Upon getting satisfactory answers to your questions and an acceptable price quote, you have narrowed it down to an insurance agent that can insure your vehicles.

Have you considered online alternatives?

Licensed agents are perfect for certain consumers, but Delaware drivers can also buy direct online. Some car insurance companies, such as State Farm, Allstate and Farmers, who have local agents in Bethany Beach also let you quote and buy online, so that should be considered as an alternative to contacting agents.

If you’re worried about whether or not you’ll have guidance when shopping online, this is a normal reaction for first-time shoppers. Companies that require consumers to choose their own coverages provide toll-free numbers for customer questions.

Can you save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there may be dozens of rate factors that are calculated into your premium. It’s often assumed that shopping direct cuts out the middleman. In reality, marketing expenses are significant and that impacts the rates consumers pay.

To find out more about Delaware auto insurance

More detailed Delaware auto insurance information can be found at the Delaware Department of Insurance website. Visitors are able to read consumer alerts, learn about specific coverages, find out industry alerts, and read enforcement actions against agents and companies.

Smart shoppers get results

Cheap auto insurance is attainable online as well as from independent agents in Bethany Beach, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online quoting and these regional insurance providers work with independent agents.

Consumers who switch companies do it for many reasons like high rates after DUI convictions, unfair underwriting practices, delays in paying claims and policy non-renewal. It doesn’t matter why you want to switch choosing a new company is actually quite simple.