7 Guaranteed Methods to Lower Car Insurance Costs in Dover, DE

Have you had enough of scraping the payment together each month for car insurance? You are no different than most other car owners in Delaware.

Lots of contend for your business, so it's not easy to compare every and uncover the absolute lowest rate

It's important to take a look at other company's rates once or twice a year since rates are constantly changing. Just because you found the best price last year you will most likely find a better rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the quickest way to find great coverage at a great price.

Don't pay full price with these seven discounts

Companies don't necessarily list all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden savings tricks you should be using.

  • Homeowners Pay Less - Owning a house in Dover can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Clubs and Organizations - Being a member of certain professional organizations is a good way to get lower rates on car insurance.
  • Safety Course Discount - Taking part in a defensive driving course could save 5% or more if you qualify.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

As a disclaimer on discounts, most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous.

The car insurance bait and switch

Car insurance companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to make an identical promise about savings if you change to their company. How do they all claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be between the ages of 30 and 50, has no tickets, and drives newer vehicles. Any new insured who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will have to pay more money and ends up with the customer not buying. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's why companies can truthfully claim big savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

More Delaware car insurance information

Even more information can be found at the Delaware Department of Insurance website. Visitors are able to get help finding coverage, view a list of available companies, find out which companies have the most complaints, and discover disciplinary actions.

compare Dover car insurance rates

The best insurance company isn't always the cheapest

Cheap car insurance can be sourced both online and also from your neighborhood Dover agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate.