Learn How to Compare Newark Delaware Auto Insurance Like an Expert

Have you fallen victim to high-priced auto insurance? Trust us when we tell you many Newark consumers feel financially strained by their auto insurance policy.

Companies like Allstate, Liberty Mutual and State Farm promote their brand names with TV and radio ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

You need to compare prices once or twice a year because insurance rates go up and down regularly. Even if you think you had the best deal on your last policy you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because it’s time to teach you how to use online quotes to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this strategy. Finding the best rates in Newark is quite easy. But Delaware vehicle owners need to learn how insurance companies sell online and take advantage of how the system works.

Finding Auto Insurance Deals in Newark, Delaware

Performing a rate comparison can be a daunting task if you don’t know the easiest way. You could spend the better part of a day driving to insurance companies in Newark, or you can stay home and use the internet to quickly compare rates.

Many insurance companies participate in an industry program where insurance shoppers submit one quote, and each company returns a rated price based on that information. This prevents consumers from doing quote forms for every auto insurance company. To submit your quote information now, click here to start a free quote.

One minor caviat to comparing rates this way is you cannot specify which carriers you want pricing from. So if you want to select specific insurance companies to compare rates, we have assembled a list of the cheapest auto insurance companies in Delaware. Click here to view list.

However you get your quotes, compare the exact same coverage limits for every quote you compare. If your comparisons have different limits and deductibles on each one it will be impossible to determine the lowest rate in Newark. Just a small difference in coverage limits can result in a big premium difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes gives you a better chance of getting the best rates.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Most are applied at quote time, but a few need to be manually applied before they will apply.

  • Senior Citizens – Mature drivers can possibly qualify for better auto insurance rates.
  • New Car Discount – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Club Memberships – Participating in a professional or civic organization could trigger savings when buying auto insurance.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Payment Method – If paying your policy premium upfront instead of paying each month you may reduce your total bill.

Keep in mind that most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will reduce your overall premium however.save money concept

To see a list of insurance companies who offer auto insurance discounts in Newark, follow this link.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating your auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • Protect yourself with liability coverage – Your policy’s liability coverage will protect you when a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages that you can buy on your auto insurance policy. Coverages like personal injury protection, towing coverage and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so get rid of them and save.
  • Your location affects your rates – Residing in a rural area is a positive aspect when it comes to auto insurance. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with more traffic problems and much longer commute distances. More time on the road means higher likelihood of an accident.
  • More performance means more cost – The type of vehicle you are buying insurance for makes a big difference in how high your rates are. The cheapest insurance rates are for economy passenger vehicles, but the final cost of insurance is determined by many other factors.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, business owners and accountants tend to pay higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, jobs such as actors, athletes and performers have the lowest average rates.
  • Save money with special equipment – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.

Can’t I compare rates from local Newark agents?

Some people would prefer to buy from a licensed agent. One of the great benefits of comparing insurance prices online is you may find lower rates but still work with a licensed agent. Supporting local businesses is especially important in Newark.

To make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to companies in Newark who will compete to get your business. There is no reason to drive around since price quotes are sent immediately to your email address. How’s that for easy! It’s the lowest rates and work with a local agent.

How to choose the best insurance agent in Newark

When finding a good Newark insurance agent, you must know there are a couple different types of agents that you can select. Insurance agencies in Newark are classified as either captive or independent.

Independent Agents

Independent insurance agents are not locked into one company but rather can write business amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When comparison shopping, it’s recommended you include multiple independent agents to have the most options to choose from.

Below are Newark independent agents who can help you get comparison quotes.

Michael T Alpaugh Agency – 94 E Main St – Newark, DE 19711 – (302) 453-9871
Robert W Lowe Agency – 1933 Kirkwood Hwy – Newark, DE 19711 – (302) 733-7620
Charles A Neal Agency – – Newark, DE 19711 – (302) 239-7717
Nationwide Insurance – 1101 Drummond Plz – Newark, DE 19711 – (302) 368-3010
Nationwide Insurance – 20 Peddlers Row – Newark, DE 19702 – (302) 328-1212

Agency Captives

This type of agents can only write with one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot place coverage with different providers so always compare other rates. Captives receive extensive training in insurance sales which can be an advantage.

Listed below are captive agents in Newark that can give you rate quotes.

Liberty Mutual – 131 Continental Dr – Newark, DE 19713 – (302) 369-9904
Allstate Insurance – 1400 Peoples Plz # 228 – Newark, DE 19702 – (302) 655-5322
State Farm Insurance – 1200 Peoples Plz # 1250 – Newark, DE 19702 – (302) 832-0344

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To view a full list of auto insurance agents in Newark, please click here.

Picking an insurance agency should depend on more than just the premium amount. These questions are important to ask:

  • Does the agency provide any after hours assistance?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • How are they compensated?
  • Can they provide you with a list of referrals?
  • How are claims handled?
  • Do the companies they represent have a solid financial rating?
  • Do they review policy coverages at every renewal?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Upon receiving answers to your satisfaction in addition to an acceptable price estimate, you may have just found a car insurance agent that will adequately provide auto insurance.

Much more information about auto insurance in Delaware can be read on the website for the Delaware Department of Insurance located here. Consumers can find out which companies have the most complaints, discover disciplinary actions, read state legal mandates and laws, and view a list of available companies.

Smart shoppers get results

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

You just read a lot of techniques to shop for auto insurance online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a small local company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

Affordable auto insurance can be found on the web and with local Newark insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.