To locate an insurance agent in Millsboro, Delaware, you can always start your research by getting online comparison quotes instead of calling around. There is a good chance you’re looking for a decent agent, but you also want the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Millsboro, it’s hard to tell which one will have the cheapest rates and the best coverage. Thankfully, you can use online quoting to build a list of insurance agents and price estimates.
Best way to find Millsboro agents
Insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to. And supporting local businesses is definitely important in Millsboro.
Upon completion of this quick form, your insurance data is submitted to companies in Millsboro who will battle for your insurance coverage. You never need to drive around due to the fact that quote results will go to the email address you provide. Now that’s easy! It’s the lowest rates AND a local agent.
Different types of insurance agents in Millsboro
When researching a good Millsboro insurance agent, there are a couple of different types of agents to choose from. Agencies in Millsboro can either be captive or independent (non-captive).
Independent Agencies or Brokers
Independent agencies are not required to write business for one company but rather can write business with lots of companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies.
When comparison shopping, it’s recommended you get quotes from at a minimum one independent agency for maximum quote selection. Many write coverage with smaller regional carriers which can save you money.
Listed below are independent insurance agents in Millsboro that are able to give competitive price quotes.
- Horgan and Assoc Insurance – 253 E Dupont Hwy – Millsboro, DE 19966 – (302) 856-9131
- Insurance Market – 1 Chelsea Sq – Millsboro, DE 19966 – (302) 934-9006
Captive agents are contracted to one company and some examples include American Family, Liberty Mutual and AAA. They usually cannot place coverage with different providers so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers often choose to use a captive agent partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Picking a car insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they receive special compensation for putting your coverage with one company over another?
- How are claims handled?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Are there any discounts that you might be missing?
After getting positive feedback for all questions you ask and locked in a price quote, it’s possible that you found an auto insurance agent that is a good match to provide car insurance coverage.
But what about online car insurance?
Insurance agents are indespensible for some people, but Delaware drivers can also buy from companies direct over the internet. Even companies that sell primarily through agents also allow you to quote and buy online, and consumers should do that if finding the best price is important.
If you’re anxious about not having someone to ask questions, that is quite common when buying online the first time. All companies that require consumers to choose their own coverages provide toll-free numbers for getting the best coverage.
Is pricing better online? It’s difficult to provide an answer because there are many components that can increase policy rates. Some people think that going direct saves by not paying a commission. For most companies selling online, however, it’s expensive to advertise so there may not be significant savings.
For more reading
Much more information about car insurance in Delaware can be found on the Delaware Department of Insurance website located here. Delaware drivers can find disaster information, file complaints about an insurance agent or broker, view a list of available companies, and learn about specific coverages.
Better coverage you can count on
As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Discount car insurance can be bought online as well as from independent agents in Millsboro, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and these smaller companies work with independent agents.