Middletown Auto Insurance Agents – Are They All the Same?

If you’re looking for a good insurance agent in Middletown, Delaware, you can do the preliminary legwork using online quotes rather than looking in the yellowpages. It’s highly likely you require not only a professional agent, but you also need the lowest possible price.

With State Farm, Allstate and Farmers Insurance all competing for your business, it’s difficult to determine which provider will provide the best rates, service and coverage. To help decide, it’s easy to use online price quotes to build a list of agents and thier coverage prices.

Online quotes with a local Middletown insurance agent

Good agents can help determine the best coverages and help you file claims. The biggest benefit of price shopping on the web is you may find the lowest rates and still have an agent to talk to. Buying from local agencies is definitely important in Middletown.

To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to companies in Middletown who will battle for your insurance coverage. There is no reason to visit any agencies due to the fact that quote results will go to the email address you provide. How cool is that?! You’ll get the best rates and a licensed agent to work with.

The different types of insurance agents

When finding an insurance agent, there are a couple of different types of agents from which to choose. Agencies in Middletown are classified as either independent (non-captive) or captive.

Independent Agents

Independent agents are not required to write business for one company but rather can write business with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When comparison shopping, we recommend you get quotes from at least one independent agent to get the best comparison. Most have the option of insuring with smaller companies which can be an advantage.

Below are independent agencies in Middletown that can give you price quote information.

  • C and C Insurance Assoc – 120 Bohemian Dr – Middletown, DE 19709 – (302) 376-7661
  • Muncy Insurance and Financial – 5207 Summit Bridge Rd – Middletown, DE 19709 – (302) 376-8211
Captive Agents

Captive agents have only one company to place business with and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captives are well schooled on their company’s products which can be an advantage. Some people will only buy from captive agents primarily because of high brand loyalty and solid financial strength.

Shown below are captive insurance agencies in Middletown who can help you get rate quotes.

  • Allstate Insurance – 419 E Main St – Middletown, DE 19709 – (302) 449-0200
  • State Farm Insurance – 384 E Main St – Middletown, DE 19709 – (302) 378-8885

To view a full list of captive agents in Middletown, go to this page.

Picking an auto insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:

  • If you are a high risk driver, do they have special markets for your coverage?
  • Can they give you a list of client referrals?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What insurance companies do they recommend if they are an independent agent?
  • If you have an accident, will your rates go up?

Once you have received answers to your satisfaction to these questions and locked in a price quote, you may have just found an insurance agency that can adequately provide car insurance.

What if I want to buy online?

Professional insurance agents are important, but Delaware car insurance can also be bought direct from companies that only sell online. Certain companies who have local agents in Middletown also allow you to buy direct on their websites, so keep that in mind if the lowest rate is your goal.

If you’re anxious about not having an agent to talk to when buying car insurance direct, don’t sweat it. Online car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options for getting questions answered.

When shopping for low rates, the only way to find out if agents have better prices than online companies is comparing prices for both of them. It’s not unheard of to actually get different prices from insurance agents and online quoting from the SAME company.

Is car insurance cheaper online? That question is hard to answer because of the fact that insurance companies use many factors which can raise or lower premium rates. It’s often assumed that a consumer who buys direct saves the commission normally paid to an agent. For most companies selling online, however, it’s expensive to advertise and that impacts the rates consumers pay.

More information is located on the Delaware Department of Insurance website located here. Delaware drivers can find a variety of consumer forms, learn about specific coverages, and read enforcement actions against agents and companies.

More related Middletown car insurance information:

Middletown Delaware insurance agency

Quote more, save more

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice collision coverage only to regret that it was a big mistake. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

People who switch companies do it for many reasons like denial of a claim, delays in responding to claim requests, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason, switching companies is easier than you think.