10 Ways to Save on Auto Insurance in Bethany Beach Delaware

Price shopping your Bethany Beach auto insurance can seem to be a challenge for people who are new to comparing rates online. You have so many choices that it can easily become a ton of work to find the best price in Bethany Beach.

Bethany Beach Auto Insurance Quote Comparison

When shopping for auto insurance there are multiple ways of comparing price quotes and find the best price. The recommended way to compare insurance prices involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

1. One of the best ways consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method keeps you from doing boring form submissions for every auto insurance company. One form submission will return quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
2. A slightly less efficient method to get quotes online consists of going to the website of each company to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from State Farm, 21st Century and Liberty Mutual. You would have to visit each site and enter your information, which is why the first method is more popular.

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

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles for each price quote. If each company quotes higher or lower deductibles it’s impossible to truly determine the lowest rate in Bethany Beach. Having just a slight variation in limits may cause a big price difference. And when comparing auto insurance rates, know that quoting more helps locate the best price.

Discounts are available to cut your rates

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so here is a list some of the more common and the harder-to-find savings tricks you should be using.

• Military Rewards – Being on active duty in the military could mean lower rates.
• Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• Payment Method – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
• Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
• Discount for Life Insurance – Larger companies have a break if you buy life insurance.
• Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
• Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
• Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

For a list of companies with the best auto insurance discounts in Bethany Beach, click here to view.

Specific coverages

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your vehicle.

Since a lot of drivers have only the minimum liability required by law (Delaware limits are 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

This coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, structural damage, attorney fees, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible. Delaware state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy more coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for funeral costs, doctor visits and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, hitting a deer, theft and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision coverage covers damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

More effort can pay off

When you buy insurance online, do not reduce needed coverages to save money. In many cases, someone dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.

Insureds leave their current company for any number of reasons including poor customer service, delays in responding to claim requests, lack of trust in their agent or questionable increases in premium. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

Cheap auto insurance can be bought on the web as well as from independent agents in Bethany Beach, so compare prices from both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

More Delaware auto insurance resources

More detailed Delaware auto insurance information can be read at the Delaware Department of Insurance website. Delaware drivers can find out industry alerts, get help finding coverage, learn about insurance regulations, and file complaints about a company.

Other useful links include NAIC.org’s Understanding your Policy and CarInsuranceDIY.com.