Find the Cheapest Dover Auto Insurance

If shopping for auto insurance online is new to you, it's easy to get confused by the hoards of auto insurance companies all offering big savings in Dover.

It's important to check auto insurance prices occasionally because prices are constantly changing. Just because you found the best price six months ago you will most likely find a better rate today. Ignore everything you know about auto insurance because you're about to find out how to use online quotes to buy cheaper auto insurance.

How much can you save with discounts?

Car insurance is not cheap, but there are discounts available that you may not know about. A few discounts will automatically apply at quote time, but a few need to be requested specifically in order for you to get them.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Homeowners Savings - Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Accident Free - Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • Accident Forgiveness - A handful of insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.

It's important to note that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it's possible to get free car insurance, you're out of luck. But any discount will reduce the amount you have to pay.

Dover auto insurance quote

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured's situation is different.

For example, these questions might point out if your insurance needs might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don't have a local agent, complete this form.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads have a common claim that you can save after switching to them. How can each company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the type of driver that earns them a profit. For example, a preferred risk might be between 30 and 50, owns a home, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will be charged more money and this can result in the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can state the savings.

That is why you should compare as many rates as you can. It's impossible to know which company will have the lowest rates.

More information can be found on the Pennsylvania Insurance Department website. Click here for link. Visitors are able to find out industry alerts, read consumer alerts, and report car insurance fraud.

Dover auto insurance quote

Shop smart and save

As you restructure your insurance plan, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage only to regret at claim time that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Lower-priced auto insurance can be sourced both online and with local Dover insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We covered a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best prices are with a lesser-known regional company.