Finding good car insurance in Laurel can be challenging since there are a lot of options and selecting the best Laurel auto insurance agent for your needs takes more work than just driving to the closest agent’s office. For this article’s sake, it’s assumed you’re not only searching for a good agent that listens to you, but you also want the best rates possible.
With insurance companies like American Family, Allstate, State Farm and independent agents having local Laurel offices, it can be hard to know which provider will have the best rates, service and coverage. Thankfully, you can use online quoting in order to build a list of insurance agencies and thier coverage prices.
Laurel agents and online quotes
Licensed agents can help determine the best coverages and help submit paperwork. One of the great benefits of comparing rates online is you can get the best rates and still choose a local agent. Buying from small agencies is definitely important in Laurel.
After completing this simple form, your information is immediately sent to companies in Laurel who will return price quotes for your coverage. There is no need to drive around since price quotes are sent directly to your email. How cool is that?!
Laurel insurance agencies come in two flavors
If you’re trying to find a local agent, there are two different types of agents that differ in how they can insure your vehicles. Laurel agents are classified as either independent (non-captive) or captive. Both types can insure your vehicles, but it’s important to know how they are different because it can influence the type of agent you choose
Independent Insurance Agents
Independent agents do not work for one specific company so they can insure your vehicles with lots of companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.
When searching for an agent, we recommend you get quotes from at least one independent agent to ensure the widest selection of prices.
Listed below is a short list of independent insurance agents in Laurel who can help you get price quotes.
Delmar Insurance Agency Inc – 200 E Market St – Laurel, DE 19956 – (302) 875-1742
Nationwide Insurance – 1130 S Central Ave – Laurel, DE 19956 – (302) 875-3333
Delmar Insurance Agency Inc – 200 E Market St – Laurel, DE 19956 – (302) 875-1742
Agency Captives
This type of agents can only place business with one company like State Farm or Allstate. They are unable to give you multiple price quotes so they have to upsell other benefits. Captives receive extensive training in insurance sales which helps them sell insurance even at higher premiums.
Deciding on an auto insurance agent needs to be determined by more than just the premium amount. These questions are important to ask:
- What is the agency’s Better Business Bureau rating?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Can they provide you with a list of referrals?
- If your car is in the repair shop, do you have coverage for a rental car?
- If you have an accident, will your rates go up?
Upon receiving positive responses to your questions in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that will provide car insurance coverage.
Are online companies an option?
Car insurance agents are a valuable resource, but you also have the option of buying direct from companies that only sell online. Certain auto insurance companies like Allstate and State Farm who have local Laurel agents also allow you to buy a policy online, so that should be considered if you don’t want to take the time to contact agents.
If you’re uneasy about not having professional advice when shopping online, this is a normal reaction for first-time shoppers. Insurance companies provide customer service for customer questions. They also have anytime access to help and a customer research section that can help answer basic questions.
Does car insurance cost less online? That is a tough question to answer because there are a lot of things that influence the price you pay. It’s often assumed that a consumer who buys direct saves the cost of an agent commission. But the reality is it’s expensive to advertise so this can offset any savings.
Additional car insurance links
More information can be read on the website for the Delaware Department of Insurance through this link. Delaware consumers can learn about insurance regulations, view agent and company licensing information, and discover disciplinary actions.
More related Laurel car insurance information:
- Learn Proven Techniques to Save on Laurel Maryland Car Insurance
- 5 Must-Know Tricks When Comparing Laurel Auto Insurance
- Easy Methods to Spend Less on Laurel Maryland Auto Insurance
What is YOUR best insurance company?
Drivers who switch companies do it for many reasons like policy cancellation, unfair underwriting practices, an unsatisfactory settlement offer or high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is easier than you think.
Cheaper car insurance can be sourced both online and also from your neighborhood Laurel agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
