Finding the Best Insurance Agency in Clayton

When trying to find a good Clayton agent, you can do the preliminary legwork online instead of making phone calls. Consumers require a friendly agent, and also want to find cheaper auto insurance prices.

Numerous auto insurance agents battle for your business, and because of this it can be hard to compare auto insurance agents and uncover the absolute best rate

Shop online but buy locally

Licensed agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is you can get the lowest rates and still choose a local agent.

Upon completion of this short form, your coverage information is instantly submitted to participating agents in Clayton who will return price quotes for your insurance coverage. There is no reason to visit any agencies since price quotes are sent directly to your email. How’s that for easy! You’ll get the best rates and a licensed agent to work with.

Selecting a car insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Are they full-time agents?
  • Which company do they place the most coverage with?
  • Do they carry Errors and Omissions coverage?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If they are an independent agency, which companies do they recommend?
  • Do they receive special compensation for putting your coverage with one company over another?

Clayton insurance agents come in two flavors

When researching a reliable agent, there are a couple of different agency structures that you can select. Agents are classified as either independent or captive.

Captive Insurance Agents

Captive agencies are contracted to one company such as Farmers Insurance or State Farm. They generally cannot shop your coverage around so keep that in mind. Captive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents mainly due to the brand legacy and solid financial strength.

Independent Agencies or Brokers

Independent agents are not employed by any specific company but rather can write business with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.

When searching for an agent, it’s recommended you contact at a minimum one independent agency to get the best comparison.Most can insure with different regional companies which can save you money.

Upon getting answers to your satisfaction to all your questions and an acceptable price quote, you may have just found an auto insurance agent that will properly insure your vehicles.

Keep your options open

Insurance agents are important to many people, but Delaware car insurance can also be bought direct online. Some specific companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also let you get a quote and buy online, so this should also be taken into consideration to possibly find a better rate.

If you’re worried about not having an agent to talk to when buying car insurance direct, that is normal but is not a big issue. Online insurance companies provide access to licensed agents to answer your questions. They also make available anytime access to help and a customer research section that you can use if you have questions.

Is car insurance cheaper online? That question is hard to answer because there are many factors that impact your final bill. You may think that buying directly from the company prevents the agent from taking a cut. For most companies selling online, however, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.

One last thing about your coverage

The cheapest auto insurance can be sourced both online and also from your neighborhood Clayton agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability coverage limits to discover at claim time they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

best Clayton DE agent

Delaware auto insurance information

Additional detailed information can be found at the Delaware Department of Insurance website. Consumers can learn about specific coverages, find out which companies have the most complaints, and view a list of available companies.

Other informative sites include’s auto insurance page and this resource to find Clayton, DE insurance agents.