Buy the Cheapest Dover Auto Insurance

Having to pay for overpriced auto insurance can overdraw your savings account and put the squeeze on your family's finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with TV and radio ads and it is difficult to sift through the bull and find the best price available.

If you currently have car insurance, you should be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Dover is not that difficult. Although Arkansas consumers do need to know how the larger insurance companies sell online because it can help you find the best coverage.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but a few must be specially asked for before you will receive the discount.

  • No Claims - Drivers who don't have accidents pay much less when compared to drivers who are more careless.
  • Paperwork-free - Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Clubs and Organizations - Being a member of a civic or occupational organization could trigger savings when shopping for auto insurance.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Own a Home - Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
  • Safety Course Discount - Taking a defensive driving course could cut 5% off your bill if you qualify.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce your premiums.

Switch companies and save? Really?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make the same claim about savings if you change your policy. How can each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who matches those parameters will get very good rates and therefore will save when they switch companies.

Drivers who do not match the requirements will be quoted higher premiums which leads to the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully state the savings.

This emphasizes why you should get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

Additional information is located on the website for the Arkansas Insurance Department. Click here for link. Visitors are able to read industry bulletins, get help finding coverage, find out which companies have the most complaints, and view a list of available companies.

Affordable insurance is out there

The cheapest auto insurance can be sourced both online in addition to many Dover insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

We covered some good ideas how to reduce auto insurance prices online. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .