Key Points
• Travelers and Geico have the cheapest car insurance in the city according to our sources.
• Kim Benton on Millsboro Highway provides the best service in Georgetown according to Yelp, Google, and Facebook
Best Car Insurance Brokers and Agencies in Georgetown
We compared Yelp, Google, and Facebook to find cheap car insurance in Georgetown . According to their reviews, we think they’ll be able to find the best price and offer the best service
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|---|---|---|---|
| Kim Benton – State Farm Insurance | 5 / 5 | 4.9 / 5 | – |
| Wilgus Insurance Agency | 5 / 5 | 4.3 / 5 | 4.5 / 5 |
Finding Affordable Car Insurance in Georgetown
Securing affordable car insurance in Georgetown can be challenging, but with the right information, you can find the best rates. This article offers a detailed overview of budget-friendly car insurance options in Georgetown, using insights and data from NerdWallet, MarketWatch, and MoneyGeek.
Factors Influencing Car Insurance Rates in Georgetown
Car insurance rates in Delaware depend on various factors, including the driver’s age, driving history, vehicle type, and location. Comparing quotes from multiple insurers and understanding the average rates and policies in the state is essential for getting the best deal.
Rates and Prices from Major Sources
NerdWallet reports that the average annual premium for car insurance in Delaware for 30-year-olds is about $1,995. The rates vary based on the insurance provider and the driver's profile. The following companies offer the cheapest car insurance for 30-year-olds in Delaware:
- Travelers: $1,163 per year, or about $97 per month
- Geico: $1,527 per year, or about $127 per month
- Main Street America: $1,707 per year, or about $142 per month
MarketWatch states that the average annual cost for car insurance in Delaware for 25-year-olds is around $2,169, aligning closely with NerdWallet's data. The cheapest providers for 25-year-olds include:
- State Farm: $1,444 per year, or about $120 per month
- USAA: $1,535 per year, or about $128 per month (available to military members and their families)
- Progressive: $1,824 per year, or about $152 per month
MoneyGeek finds the average annual premium in Delaware for 40-year-olds to be $2,024. They emphasize the importance of considering discounts and coverage options when choosing a policy. The most affordable insurers for 40-year-olds include:
- Travelers: $865 per year, or about $72 per month
- Geico: $1,463 per year, or about $122 per month
- Allstate: $2,082 per year, or about $174 per month
Cheap Car Insurance Georgetown: A Guide To Lowering Your Costs
Factors Affecting Car Insurance Rates
- Age and Driving Experience: Younger, less experienced drivers often face higher premiums. Mature, experienced drivers usually enjoy lower rates.
- Driving Record: A clean driving record can significantly reduce premiums, while drivers with accidents, tickets, or DUIs pay higher rates.
- Vehicle Type: The make and model of a vehicle affect insurance costs. Expensive cars, sports cars, and vehicles with high repair costs typically have higher premiums.
- Location: Urban areas with higher traffic and crime rates generally have higher premiums than rural areas.
- Credit Score: Insurers in Delaware may consider a driver’s credit score when determining premiums. A good credit score can help lower insurance costs.
Tips for Securing Cheap Car Insurance
- Compare Multiple Quotes: Use online tools to compare quotes from various providers to ensure you're getting the best rate.
- Look for Discounts: Many insurers offer discounts for bundling policies, maintaining a good driving record, or having safety features in your vehicle. Common discounts include multi-policy, safe driver, good student, and safety features discounts.
- Consider Coverage Options: While minimum coverage might save money initially, it’s crucial to balance cost with adequate protection. Evaluate your vehicle’s value, driving habits, and financial situation when choosing coverage levels.
- Maintain a Good Credit Score: Pay bills on time, keep credit card balances low, and monitor your credit report regularly to ensure accuracy. A good credit score can help reduce your premiums.
- Increase Your Deductible: Choosing a higher deductible can lower your premium, but ensure you can afford the deductible in case of an accident. Balance the deductible with the premium to manage overall costs.
- Drive Safely: Maintaining a clean driving record is key to keeping insurance rates low. Avoiding accidents and traffic violations can help qualify for safe driver discounts and prevent premium increases.
Conclusion
Finding cheap car insurance in Georgetown involves research, comparison, and understanding the factors influencing rates. By leveraging information from NerdWallet, MarketWatch, and MoneyGeek, Georgetown drivers can make informed decisions and secure the best possible rates for their car insurance needs. Additionally, considering factors such as age, driving record, vehicle type, location, and coverage options can help you find the most affordable and suitable policy for your specific circumstances.
How We Rank and Researched
To compile the information for this article we used a team of researchers to assess results based on Yelp, Google, and Facebook and ranked based on the highest ratings and popular local establishments. We also used search engine results to pull and consolidate multiple reviews to ensure we provide an unbiased opinion based on multiple sources
