8 Tricks to Cut Your Auto Insurance Cost in Middletown, DE
If online auto insurance comparisons are new to you, it’s easy to get confused because of the huge number of auto insurance companies vying for business in Middletown.
If you have insurance now or need a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. This article will help educate you on how to get online quotes and some money-saving tips. Delaware drivers only need to know the most effective way to compare rates on the web.
Comprehensive Middletown Auto Insurance Comparison Quotes
Getting a cheaper price on insurance isn’t really that difficult. Just invest a few minutes to get quotes provided by online insurance companies. This can be accomplished in several different ways.
- Probably the best way to get quotes would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing repetitive form entry for every auto insurance company. One simple form gets rate comparisons from multiple low-cost companies. This is perfect if you don’t have a lot of time.
- A harder way to find lower rates is to take the time to go to each individual company website to complete a price quote. For example, we’ll pretend you want rates from Liberty Mutual, Progressive and GEICO. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in Middletown, click here.
- The least efficient method to get comparison rates is to drive around to and from local Middletown insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance of a local Middletown agent. You can, however, price shop online but buy from a local insurance agent and we’ll cover that in a bit.
Whichever method you choose, make darn sure you compare the exact same coverage information with each company. If you are comparing differing limits it’s impossible to make an equal comparison in Middletown.
Are you getting all your discounts?
The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be specially asked for before they will apply. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Low Mileage – Fewer annual miles can qualify you for a substantially lower rate.
- Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
- Federal Employees – Active or retired federal employment can save as much as 8% with certain companies.
- E-sign – A few companies may give you up to $50 for buying your policy digitally online.
- Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
- Life Insurance – Some companies give lower rates if you buy life insurance from them.
- Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
- Bundle and Save – If you have multiple policies with the same company you may earn at least 10% off all policies.
As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, you’re out of luck. But all discounts will bring down the cost of coverage.
To see a list of insurance companies offering auto insurance discounts in Delaware, click here.
More information can be read on the Delaware Department of Insurance website found here. Delaware drivers can learn about specific coverages, download brochures, read enforcement actions against agents and companies, and discover disciplinary actions.
Additional helpful sites include this page for Delaware auto insurance and this link where you can make Middletown auto insurance comparisons.