Lewes Car Insurance For Less Than You're Paying Now

If online car insurance comparisons are new to you, it's easy to get confused due to the large number of car insurance companies selling insurance in Lewes.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Locating affordable coverage in Lewes can be fairly easy. But Delaware consumers do need to know how insurance companies price online insurance.

compare Lewes car insurance rates

Lewes Car Insurance Quote Comparison

Comparing car insurance rates can take hours if you aren't aware of the most efficient way. You can spend countless hours talking about coverages with local insurance agents in Lewes, or you can stay home and use online quotes to get rates in a matter of minutes.

The majority of car insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company provides a quote for coverage. This eliminates the need for quote requests to each individual car insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to using this type of system is you don't know exactly the providers to get quotes from. If you would rather choose individual companies to receive pricing from, we have a page of the cheapest car insurance companies in Delaware. Click here for list of insurance companies in Delaware.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage limits and deductibles on every quote. If you use different liability limits you will not be able to make a fair comparison in Lewes. Just a small difference in insurance coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes will increase your chances of finding the best rates.

Don't pay full price with these discounts

Car insurance companies don't necessarily list every discount in a way that's easy to find, so the following is a list of both the well known and the harder-to-find car insurance savings.

  • Military Rewards - Having a deployed family member could mean lower rates.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Payment Discounts - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Distant Student - Children living away from home attending college and do not have a car may be able to be covered for less.
  • Discount for Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Use Seat Belts - Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.

Drivers should understand that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free car insurance policy, companies wouldn't make money that way.

To see a list of insurance companies offering car insurance discounts in Lewes, follow this link.

Your personal situation dictates your coverage

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Every insured's situation is different.

Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • What are Delaware no-fault laws?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I still get insurance after a DUI?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

More detailed Delaware car insurance information can be read at the Delaware Department of Insurance website. Visitors are able to view a list of available companies, find out industry alerts, and read consumer alerts.