If you’re looking to buy auto insurance, you have many choices and choosing the right Selbyville car insurance agent is not as easy as just using the same car insurance agent as your neighbor. There is a good chance you’re looking for a great agent that can assess your needs, but you also want to find the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents having local Selbyville offices, it can be hard to know which car insurance agent will provide you with the best service and rates. To begin, consumers can use insurance quotes online in order to build a list of insurance agencies from which to choose.
Compare online but buy from a local Selbyville agent
Good agents can point out coverage gaps and help you file claims. One of the great benefits of price shopping on the web is you can get better rates and still have an agent to talk to. Supporting local agencies is definitely important in Selbyville.
By using this quick form, your information is sent to participating agents in Selbyville who will compete to get your business. There is no reason to drive around as quotes are delivered directly to your email. Now that’s easy!
What type of Selbyville auto insurance agent is right for you?
When searching for local Selbyville agents, you need to know there are two different types of agents from which to choose. Agents can either be independent or captive. Both write coverage properly, but it’s important to know the difference between them because it can impact the type of agent you choose
Independent Insurance Agents
These agents do not work for one specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, we recommend you include price quotes from multiple independent agents to ensure the widest selection of prices.
The following are independent insurance agents in Selbyville who can help you get comparison quotes.
Wilgus Insurance – 13 S Dupont Hwy – Selbyville, DE 19975 – (302) 436-5542
Muncie Insurance and Financial – – Selbyville, DE 19975 – (302) 436-7440
Captive Insurance Agents
This type of agents can only place business with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to shop your coverage around so keep that in mind. These agents receive extensive training on their company’s products which can be an advantage.
Shown below are captive insurance agencies in Selbyville who can help you get price quotes.
State Farm Insurance – 4 E Church St – Selbyville, DE 19975 – (302) 436-8032
For a complete listing of Selbyville captive insurance agents, go to this page.
Selecting an insurance agency needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- If they are an independent agency, which companies do they recommend?
- How are they compensated?
- Do they make recommendations based only on price?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is assistance available after office hours?
- How often do they review policy coverages?
- Who is covered by the car insurance policy?
Upon receiving good answers to all your questions and locked in a price quote, you may have just found an insurance agency that will adequately provide auto insurance.
Alternatives to local agents
Local insurance agents are a valuable resource, but Delaware car insurance can also be bought from online companies direct. Some car insurance companies like State Farm and Allstate who have local agents in Selbyville also let you buy online, so that should be considered if you prefer to buy online.
If you’re concerned about not having an agent to talk to when buying car insurance direct, that shouldn’t be an issue. Car insurance companies that allow you to purchase coverage provide toll-free numbers that you can contact for information. They also offer help pages and frequently asked questions so you can feel comfortable buying online.
Is it cheaper to buy car insurance online? It’s hard to say exactly because of the number of factors that influence how your policy is priced. It’s logical to say that shopping online for auto insurance lowers rates due to not having any agent compensation. In reality, online and traditional media advertising are expensive and that can cost more than having to pay agents.
Much more information about auto insurance in Delaware is available on the website for the Delaware Department of Insurance. Click here for link. Delaware consumers can get help finding coverage, read enforcement actions against agents and companies, and discover disciplinary actions.
More related Selbyville auto insurance information:
Quote often and quote early
Cheaper auto insurance is attainable online and also from your neighborhood Selbyville agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.