Expert Advice on Saving Money on Lewes, DE Car Insurance

Having to pay for overpriced car insurance can overdraw your checking account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to tighten up your finances.

Numerous insurers battle for your insurance dollar, so it can be very hard to choose a insurer to discover the definitive cheapest price

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Lewes is quite easy. Although Delaware drivers benefit from understanding how insurance companies determine prices because it can help you find the best coverage.

Finding Car Insurance Deals in Lewes, Delaware

The are a couple different ways of comparing price quotes and find the best price. By far the easiest way to find the lowest rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  1. The best way to find low rates is a comparison rater form click to view form in new window. This form keeps you from doing multiple quote forms for each company you want a rate for. A single, simple form will get you rate comparisons from many national carriers.
  2. A harder way to compare rate quotes requires a trip to the website for each individual company and complete a new quote form. For example, we’ll assume you want to compare rates from Liberty Mutual, Allstate and Farmers. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker.

    For a list of links to insurance companies in Lewes, click here.

It’s up to you which method you use, but ensure you’re using the exact same coverages and limits on every quote you get. If you are comparing higher or lower deductibles it will be next to impossible to make a fair comparison in Lewes. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies provides better odds of finding a better price.

Don’t overlook these discounts

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Organization Discounts – Participating in a civic or occupational organization could trigger savings when buying car insurance.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application digitally online.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Student in College – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
  • 55 and Retired – Mature drivers may be able to get a discount up to 10%.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Is my situation unique?

When choosing coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight if your insurance needs might need professional guidance.

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  • How much underlying liability do I need for an umbrella policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Are all vehicle passengers covered by medical payments coverage?
  • What vehicles should carry emergency assistance coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Does my personal policy cover me when driving my company car?
  • Can I afford low physical damage deductibles?
  • How high should my medical payments coverage be?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Find out more about car insurance

More detailed Delaware car insurance information is available at the Delaware Department of Insurance website. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, and find out which companies have the most complaints.