Car Insurance in Dover Florida - 6 Tricks to Save Money

Are you intimidated by the sheer number of car insurance options in Dover? You're not the only one! Drivers have so many options that it can turn into a ton of work to find lower rates.

How much can you save with these six discounts?

Car insurance companies don't always advertise every discount very well, so we break down both the well known as well as the least known discounts you could be receiving.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Life Insurance Discount - Some companies give a break if you buy a life insurance policy as well.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.

It's important to note that some credits don't apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

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

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim that you can save after switching to their company. But how can every company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. For example, a driver they prefer might be over the age of 50, has no driving citations, and has excellent credit. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will be quoted higher prices and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can make those claims. This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

Learn more about Florida car insurance

Additional detailed information can be found at the Florida Office of Insurance Regulation website. Visitors are able to read industry bulletins, report car insurance fraud, and view agent and company licensing information.

Also read more on this online resource for car insurance quotes in Florida and this list of insurance agents in Dover.

Do the work, save more money

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, policy non-renewal and even high prices. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.

Lower-priced car insurance can be purchased both online and also from your neighborhood Dover agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

While you're price shopping online, don't be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.