How to Find the Perfect Insurance Agent in New Castle

When trying to find a good insurance agent in New Castle, Delaware, it’s recommended you start your search by comparing prices online rather than picking up the phone. It’s likely you’re not only searching for a great agent that can assess your needs, but also affordable coverage.

With companies like Allstate, Farmers, State Farm and many independent agents having offices in New Castle, it’s hard to tell which car insurance agent will give you the best rates, service and coverage. Thankfully, you can use online quotes to build a list of agencies from which to choose.

Quote online but work with a neighborhood agent

Agents can answer important questions and help in the event of a claim. The biggest benefit of comparing rates online is that you can obtain the best rates but also keep your business local. Supporting local insurance agencies is important especially in New Castle.

To help locate an agent, after submitting this short form, your insurance data is transmitted to agents in your area who will compete for your business. You never need to even leave your home since price quotes are sent to the email address you provide. How’s that for easy! Get lower rates and a licensed agent to work with.

Captive and independent New Castle insurance agents

When searching for a reliable agent, you must know there are a couple types of agencies that you can select. Insurance agencies in New Castle are classified as either independent or captive.

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, we recommend you contact multiple independent agents for the best price selection.

Listed below are independent agencies in New Castle that can give you rate quotes.

New Castle Insurance LTD – 621 Delaware St # 100 – New Castle, DE 19720 – (302) 328-6111
Chuck Montgomery Insurance Inc – 101 Jestan Blvd – New Castle, DE 19720 – (302) 838-1123

Captive Insurance Agents

Captive insurance agents are contracted to one company such as Farmers Insurance or State Farm. Captives cannot shop your coverage around so it’s a take it or leave it situation. They are usually quite knowledgeable on the products they sell which can be an advantage.

Deciding on an insurance agency requires more thought than just a cheap price. Ask your prospective agent these questions:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Is the agent and/or agency licensed to do business in Delaware?
  • If you are a high risk driver, do they have special markets for your coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • What insurance company do they write the most business with?

Upon getting reasonable responses for all questions you ask and locked in a price quote, it’s possible that you found a car insurance agent that can insure your vehicles.

Online companies should get a look

Professional insurance agents are perfect for certain consumers, but Delaware consumers also have the option to buy direct online. Certain auto insurance companies, such as Farmers Insurance and State Farm, who employ agents also give you the option to buy direct on their websites, and consumers should do that as an alternative to contacting agents.

If you’re worried about choosing your own coverages when buying direct, don’t sweat it. Online car insurance companies all provide contact methods for getting advice on proper coverages.

Can you save money buying online? That is a tough question to answer since companies use quite a few components which can adversely affect your policy premium. Some people think that shopping online for auto insurance saves the commission normally paid to an agent. But truthfully, marketing expenses are significant so rates may not be all that different from traditional agents.

Keep this in mind

Discount auto insurance can be bought online in addition to many New Castle insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

New Castle insurance agents

Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, policy non-renewal, high prices or even policy cancellation. Whatever your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Additional information is located on the website for the Delaware Department of Insurance through this link. Delaware drivers can read consumer alerts, download brochures, and learn about specific coverages.

Additional helpful sites include this online resource for free quotes in Delaware and this page of insurance agents in New Castle.