Lowest Car Insurance Exclusively for Selbyville Delaware Residents

Finding affordable Selbyville car insurance online can seem to be intimidating for people who are new to buying insurance online. Because there are so many insurers to choose from, how can Selbyville drivers even start to compare them all to find the best available rates?

It’s important to check car insurance prices yearly because insurance rates tend to go up over time. Just because you had the best deal six months ago you may be paying too much now. So just ignore everything you know about car insurance because you’re going to get a crash course in how to quote online to properly buy coverages and cut your premium.

How to Compare Selbyville Car Insurance Costs

The are a couple different ways of comparing rates from different in Selbyville, DEinsurance companies. One of the best ways to find the lowest rates is to get quotes online. This is very easy and can be done in several different ways.

  1. Probably the best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating repetitive form submissions for each company you want a rate for. One quote request will return price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to shop for car insurance online is going to each company’s website and fill out their own quote form. For example, let’s assume you want rates from Progressive, Esurance and Allstate. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker. To view a list of companies in Selbyville, click here.
  3. The least recommended method to get comparison rates is to spend time driving to different Selbyville agent offices. The internet can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed Selbyville agents. Drivers can get prices online but still have the advice of a local agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples deductibles and coverage limits for every quote you compare. If you compare different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best in Selbyville. Having just a slight variation in coverages can result in a big premium difference. Just remember that comparing a large number of companies helps you find a lower rate.

Don’t believe everything you hear

Companies like Allstate, GEICO and Progressive continually stream ads in print and on television. All the ads have a common claim of big savings after switching your coverage to them. But how can every company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the right customer they prefer to insure. A good example of a desirable insured might be profiled as over the age of 50, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Potential customers who do not match the requirements will be charged higher premiums and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save money. This is how companies can claim big savings.

That is why you should get quotes from several different companies. It’s not possible to predict which company will provide you with the cheapest rates.

How insurance companies determine rates

Consumers need to have an understanding of the factors that go into determining the price you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

  • Where you live can impact rates – Living in a small town can save you money when talking about car insurance. City drivers tend to have traffic congestion and much longer commute distances. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Tickets mean higher rates – Drivers with clean records have lower premiums than their less careful counterparts. Just one speeding ticket may increase your cost twenty percent or more. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Never allow your policy to lapse – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your insurance expire. Not only will rates go up, getting caught without coverage might get you a steep fine or even jail time.Then you may be required to prove you have insurance by filing a SR-22 with the Delaware department of motor vehicles.
  • Do you qualify for a multi-policy discount? – Most car insurance companies provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to ensure the best deal.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both have accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations such as reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but a few must be specifically requested prior to getting the savings.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Early Signing – Select companies give a discount for buying a policy before your current policy expires. This can save 10% or more.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Drivers Education – Have your child enroll in driver’s education in high school.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

What about using a local agent?

Some consumers prefer to talk to a local agent and that is OK! The best thing about getting online price quotes is that you can obtain lower rates and still have an agent to talk to. And supporting local agencies is important especially in Selbyville.

To find an agent, once you fill out this short form, the quote information is instantly submitted to local insurance agents in Selbyville who will give you bids for your coverage. You don’t have to leave your house since price quotes are sent immediately to your email address. It doesn’t get any easier! It’s the lowest rates AND an agent nearby.

Do you need an independent or captive car insurance agent?

If you’re trying to find a good insurance agency, you must know there are a couple types of insurance agents to choose from. Agencies in Selbyville are classified as either captive or independent.

Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company so they can insure your vehicles with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When comparison shopping, we recommend you get quotes from several independent insurance agents for the best price selection.Most can insure with lesser-known insurance companies which can be an advantage.

Below are Selbyville independent agents who can help you get price quotes.

  • Muncie Insurance and Financial – – Selbyville, DE 19975 – (302) 436-7440
  • Wilgus Insurance – 13 S Dupont Hwy – Selbyville, DE 19975 – (302) 436-5542
Captive Insurance Agents

Captive insurance agents have only one company to place business with and examples are State Farm or Allstate. Captives cannot shop your coverage around so always compare other rates. They are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently purchase coverage from captives mostly because of the brand legacy and strong financial ratings.

Shown below are Selbyville captive insurance agents who can help you get price quote information.

  • State Farm Insurance – 4 E Church St – Selbyville, DE 19975 – (302) 436-8032

To view a complete directory of captive agents in Selbyville, please click here.

Choosing an insurance agent requires more thought than just a low price. Ask your prospective agent these questions:

Selbyville DE insurance comparisons

  • Do they carry Errors and Omissions coverage?
  • Do they assist clients in filing claims?
  • Can glass repairs be made at your home?
  • How much can you save by raising your physical damage deductibles?
  • Do they regularly work with personal auto policies?
  • What insurance companies do they recommend if they are an independent agent?
  • What insurance companies do they work with?
  • Did they already check your driving record and credit reports?

Upon receiving positive feedback for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agent that is a good match to insure your vehicles.

One last thing

When buying insurance coverage, you should never reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits only to regret that it was a big mistake. Your strategy should be to find the BEST coverage at an affordable rate.

The cheapest car insurance is definitely available both online and also from your neighborhood Selbyville agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Drivers switch companies for many reasons like extreme rates for teen drivers, high prices, delays in paying claims or high rates after DUI convictions. Regardless of your reason, finding the right car insurance provider is actually quite simple.

Much more information about car insurance in Delaware can be found on the Delaware Department of Insurance website located here. Visitors are able to find a variety of consumer forms, learn about specific coverages, and find out industry alerts.