Learn Proven Ways to Save on Felton Auto Insurance

Feel like you’re a prisoner to high-priced auto insurance? Believe me when I say many Felton consumers feel financially strained by their auto insurance policy. Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to get the best price available.

It’s a good idea to compare rates yearly because prices go up and down regularly. Even if you think you had the lowest rates on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out the things you must know in order to properly buy coverages while reducing your premium.

If you have a policy now or need new coverage, you will benefit by learning to find the best rates while maximizing coverage. Buying car insurance in Felton is not rocket science. Delaware drivers just need to learn the most effective way to compare price quotes online.

Quick Felton Auto Insurance Quotes

There are a lot of ways to shop for auto insurance, but some are more efficient than others. You could spend the better part of a day talking about coverages with agents in Felton, or you could use the internet to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and every company returns a competitive quote for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To access this free quoting program, click here (opens in new window).<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-101.jpg" alt="Delaware auto insurance“/>

One minor caviat to doing it this way is you don’t know exactly which insurance companies you want pricing from. So if you prefer to choose individual companies to request quotes from, we put together a list of low cost auto insurance companies in Delaware. Click to view list.

Whichever method you choose, compare identical coverage information for every company. If you are comparing mixed coverages it’s impossible to make an equal comparison in Felton.

How much can you save with discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but less common discounts must be asked for prior to getting the savings. If you’re not getting every credit available, you’re just leaving money on the table.

Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
Military Discounts – Having a family member in the military could mean lower rates.
Bundle and Save – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
55 and Retired – Older drivers may qualify for a discount up to 10%.
Employee of Federal Government – Active or retired federal employment may qualify you for a discount depending on your company.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

The list below includes some of the items that factor into your rates.

Claim-free discounts can add up – Car insurance companies in Delaware provide cheaper rates to drivers who are claim-free. If you file claims often, you can look forward to either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more money you’re willing to pay, the lower your rates will be.
Pay less after the wedding – Getting married actually saves money on your auto insurance policy. It means you’re more mature and it’s statistically proven that drivers who are married are more cautious.
Tickets mean higher rates – Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to keep their license.

More quotes mean more savings

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Discount auto insurance can be sourced from both online companies in addition to many Felton insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

More resources for learning

Additional information is located on the website for the Delaware Department of Insurance. Click here for link. Delaware drivers can download brochures, view a list of available companies, find out industry alerts, and find out which companies have the most complaints.