Selecting a auto insurance company in Rehoboth Beach, DE can be time consuming since picking a good Delaware insurance agency is harder than just picking up the phone. You need a good agent that listens to you, and also cheaper auto insurance prices.
Numerous insurance agencies battle for your insurance dollar, so it’s not easy to compare every insurance agency to find the lowest rate possible.
Why do I need an agent?
Licensed agents can help determine the best coverages and help submit paperwork. The best thing about comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is instantly submitted to insurance agents in Rehoboth Beach who will compete for your business. You don’t have to leave your computer because quoted prices will be sent immediately to your email address. It doesn’t get any easier!
Deciding on a car insurance agent should depend on more than just a cheap price. Some important questions to ask are:
- Is vehicle mileage a factor when determining depreciation for repairs?
- If you are a high risk driver, do they have special markets for your coverage?
- Are there any discounts that you might be missing?
- How much will you save each year by using a higher deductible?
- Are claims handled at the agent’s location?
Types of insurance agents
If you’re trying to find a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Rehoboth Beach are classified as either captive or independent (non-captive). Either one can insure your vehicles, but it’s worth learning the difference between them since it may influence the type of agent you choose
Captive Insurance Agents
Captive agents have only one company to place business with such as State Farm, AAA and Liberty Mutual. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Captive agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
The following is a list of captive agents in Rehoboth Beach willing to provide price quotes.
- State Farm Insurance – 4319 Highway One – Rehoboth Beach, DE 19971 – (302) 227-3891
Independent Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.
When searching for an agent, you should always get quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies which may provide better rates.
The following are independent agents in Rehoboth Beach that are able to give price quotes.
- Harleysville Insurance – 118 Philadelphia St – Rehoboth Beach, DE 19971 – (302) 227-5619
- King Agency – Truitt’s Development – Rehoboth Beach, DE 19971 – (302) 856-7081
- L and W Insurance – 3 Bryn Mawr Dr – Rehoboth Beach, DE 19971 – (302) 644-8064
- Richard A Parsons Agency – 4445 Highway One # 11 – Rehoboth Beach, DE 19971 – (302) 226-2545
To view a complete directory of insurance agents in Rehoboth Beach, please view this page.
Upon getting answers to your satisfaction to your questions and a good coverage price, you have narrowed it down to a car insurance agent that is a good match to properly insure your vehicles.
Also keep in mind buying direct
Auto insurance agents are indespensible for some people, but Delaware car insurance can also be bought direct over the internet. Even companies who have local Rehoboth Beach agents also let you get quotes and purchase online, and that is helpful as an alternative to contacting agents.
If you’re anxious about whether or not you’ll have guidance when shopping online, that should not be a issue. Online insurance companies all provide contact methods for getting the best coverage. Also available are the ability to chat online live with a sales rep and online research to help with the buying process.
Are online rates lower? The answer to that question is complicated because of the fact that insurance companies use many factors that determine your policy premium. Common sense would say that shopping online for auto insurance saves money because there is no agent involvement. For the majority of companies, however, there are very high advertising costs and that can quickly cost more than paying an agent.
A little work can save a LOT of money
When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.
Lower-priced auto insurance can be sourced online in addition to many Rehoboth Beach insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
To find out more about Delaware auto insurance
Even more information is located at the Delaware Department of Insurance website. Visitors are able to read consumer alerts, discover disciplinary actions, read industry bulletins, and get help finding coverage.