Getting the Cheapest Bear Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say many Bear consumers feel financially strained by their auto insurance policy.

Insurance companies such as GEICO and Progressive increase brand awareness with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using.

  • Clubs and Organizations - Participating in a civic or occupational organization is a good way to get lower rates when buying auto insurance.
  • Military Discounts - Being on active duty in the military can result in better rates.
  • Seat Belts Save - Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • No Claims - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you won't be that lucky.

Save $429 a year? Really?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies make an identical promise about savings if you move your policy. How can each company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements must pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the way they do. This illustrates why you should get as many quotes as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Even more information can be found at the Delaware Department of Insurance website. Delaware consumers can find out which companies have the most complaints, find disaster information, find a variety of consumer forms, and read industry bulletins.

auto insurance in Bear

The best insurance company isn't always the cheapest

Cheaper auto insurance is definitely available online in addition to many Bear insurance agents, and you need to price shop both to have the best selection. Some auto insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for auto insurance, it's a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.