Personal and Business Insurance in Wilmington DE

Auto

At Rick Galster III Insurance Agency we offer a wide range of car insurance policies that will ensure you and your family are completely covered. Just as with the majority of insurance policies, there is no such thing as a “one-size-fits-all” auto insurance plan – each individual has unique needs, whether you are searching for comprehensive coverage with add-ons or you are just looking to cover the basics. We offer coverage for all drivers, even new drivers, so that you can ensure you aren’t leaving yourself vulnerable in the case of an accident. Give our agents a call today and we will guide you through the options.

Get the facts

We do NOT work for nor are we employed by any of the carriers we sell or service policies through. Our insurance agency is privately owned and we sell insurance carriers products like a grocery store. For example: A grocery store sells cake mix. A grocery store does not make or package the product. It sells the product to the consumer and keeps a very small fee. This is reason we care so deeply about your comfort level with your policies. If you cancel it only hurts us locally. It affects us directly. YOU ARE OUR PRIORITY! Without our members we do not have jobs we cannot pay bills or hope to save for retirement. Without you we have no reason to come to work. We want you to understand when you call us with a concern we are going to do everything in our power to help get the issue resolved. In life no one cares unless they have skin in the game. We do.

Reviews & pricing realities

Insurance prices are going to fluctuate consistently over time. Some policies not at all, but some more than others, and for no apparent reason, it would appear. It can be a frustrating process. Industry-wide premiums get affected for many reasons. Some reasons are market-related. Some reasons are unique to the person and their policy characteristics. Some are due to industry changes such as insurance companies now having to repair backup cameras, wifi, Bluetooth, and the other numerous options that get damaged in an accident. That does not include the labor and time it costs to repair these amenities to make your vehicle drivable and functional again. Also, take into account the severely significant increase in accidents and damages to property from inattentive driving such as texting while driving. These are actions and issues we do not think about or forget about from time to time but are all guilty of. As an agency, we cannot control pricing nor have the power to just change premiums. That said… we have spent several years developing our review process and pride ourselves on our ability to maximize the value of your dollar. We are educated and experienced in this industry and will give it to you straight whether it is in your best interest or not. If pricing gets you thinking…call us!

Let us do what we can.

Not happy with your policy or insurance companies pricing, claims or service? If you like our agency let us shop it for you.

Times have changed… Due to our success and relationships in the market we can quote and sell many different insurance carriers. Don’t feel like you are trapped in a policy. If you like us your local agent or you would like us to be and are uncomfortable with your current situation or insurance carrier, call us!

Give us the opportunity to be your guide. In most all cases we can provide proper guidance, answer questions regarding industry misconceptions and help alleviate current policy concerns. We can also shop multiple carriers to see if we can get you into a policy you love or at least provide you proof that your current coverage and pricing are right in line with the market for your current situation. Facts are each household is unique and each particular carrier or insurance company has a particular appetite. For instance, just because your neighbor, brother or friend pays a particular price that has no relevance to your insurance journey. In our agency we understand the industry. We understand the carriers we write through make the guidelines and rules. We as an agency stay relevant and use those guidelines to create a comfortable platform for our members and clients to exist. Is the industry perfect? Absolutely not! There are situations that occur daily that are just out of our control, just like in life. Staying relevant and educated in the industry, understanding the client their needs and their budget and actually caring about it is the difference. Some agencies feed you what you want to hear. Don’t expect that here.

This is business never personal and sometimes you have to do what you have to do to get the best numbers! You just need to know how to work the system to make things work for you. Let us be your guide. If you have a concern, give us a chance to make it right. If you don’t call we won’t know of your issue nor can we help.