Top 6 Ways to Save on Car Insurance in Laurel, DE
Cutting costs on Laurel car insurance is a challenge for people who are new to comparing rates online. Drivers have so many companies to choose from that it can be a ton of work to find lower rates in Laurel.
It's important to do rate comparisons once or twice a year since rates are constantly changing. Even if you think you had the lowest price last year you may be paying too much now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.
Comprehensive Car Insurance Comparison in Laurel
There are several ways you can shop for car insurance but some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance companies in Laurel, or you could use the web to accomplish the same thing much quicker.
All the larger companies take part in a program that allows shoppers to submit one quote, and each participating company then returns a price quote determined by their information. This eliminates the need for quotation requests for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
One minor caviat to comparing rates this way is you cannot specify which companies you want to price. So if you want to select individual companies to compare rates, we have assembled a list of companies who write car insurance in Delaware. Click here to view list.
Which method you use is up to you, but double check that you are using the exact same coverage limits on every quote you get. If your comparisons have differing limits you can't possibly determine which rate is truly the best in Laurel. Just a small difference in limits can mean a large discrepancy in price. It's important to know that more quotes will enable you to find better pricing.
How much can you save with these six discounts?
Car insurance companies don't list all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known car insurance savings.
- New Car Discount - Insuring a new car can save up to 30% compared to insuring an older model.
- Student Driver Training - Require your teen driver to complete a driver education course if offered at their school.
- Drive Less and Save - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
- Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
- Bundle and Save - When you have multiple policies with one company you will save 10% to 20% off each policy.
Keep in mind that most credits do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, it just doesn't work that way.
For a list of companies with discount car insurance rates in Laurel, follow this link.
Additional detailed information is located at the Delaware Department of Insurance website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and find disaster information.
Shop smart and save
When trying to cut insurance costs, never reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to buy enough coverage at the best price.
Consumers leave their current company for a variety of reasons including delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests and lack of trust in their agent. It doesn't matter what your reason, finding a new car insurance company is not as hard as you think.
Affordable car insurance is attainable from both online companies and with local Laurel insurance agents, so you should compare both to have the best selection. A few companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.
