5 Discounts Hockessin Consumers Forget when Quoting Car Insurance

Searching for low-cost Hockessin car insurance on the web can be rather challenging for beginners to online price comaprisons. When there are so many online companies, how can consumers possibly compare every one to find the best available price?

Save big with these 5 discounts

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but a few must be manually applied prior to receiving the credit. If you're not getting every credit you deserve, you are paying more than you should be.

  • More Vehicles More Savings - Insuring multiple cars or trucks with the same company could earn a price break for each car.
  • Save with a New Car - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Accident Waiver - Certain companies permit an accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off depending on your company.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way. But any discount will bring down your overall premium however.

To choose insurers with the best car insurance discounts in Delaware, click this link.

Car insurance ads bend the truth

Consumers in Delaware can't ignore all the ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make the same claim that you can save if you move your policy.

How does each company claim to save you money?

Insurance companies have a preferred profile for the right customer that makes them money. For instance, a profitable customer might be a mature driver, has no prior claims, and has a short commute. Any new insured who matches those parameters will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards must pay higher prices which leads to the customer not buying. The ads say "people who switch" not "people who quote" save that kind of money. This is how insurance companies can make the claims of big savings.

This illustrates why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

But I don't know anything about car insurance

When buying the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Each situation is unique.

These are some specific questions can help discover if your situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Learn more about car insurance in Delaware

More information is located on the Delaware Department of Insurance website through this link. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, and view a list of available companies.

Delaware car insurance quotes

And the best car insurance company is...

Affordable car insurance is possible both online in addition to many Hockessin insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, never buy poor coverage just to save money. In too many instances, consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Insureds who switch companies do it for many reasons like lack of trust in their agent, delays in paying claims, unfair underwriting practices or even an unsatisfactory settlement offer. Whatever your reason, finding the right car insurance provider is easier than you think.