Dublin Auto Insurance For Less Than You're Paying Now

Finding affordable Dublin auto insurance on the web can be challenging for consumers new to comparing rates online. With dozens of companies in the marketplace, how can you even start to compare the different rates to find the lowest rates?

Where Can I Get Cheap Dublin Auto Insurance?

The are a couple different ways to compare rate quotes from local Dublin auto insurance companies. The recommended way to find the cheapest insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is a comparison rater form (click to open form in new window). This form prevents you from having to do repetitive form submissions for every auto insurance company. A single, simple form gets rate comparisons from multiple companies.It's the quickest way to get rates.

A harder way to shop for auto insurance online is spending the time to visit the website of each company to request a price quote. For example, let's say you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Dublin, click here.

The hardest way to get comparison rates is to waste gas driving to and from local Dublin insurance agencies. The internet makes this process obsolete unless you require the professional advice of a local Dublin agent. Drivers can compare the best prices online but buy from a local insurance agent and we'll touch on that later.

It's up to you how you get prices quotes, just make sure you use exactly the same information for each price quote. If you compare higher or lower deductibles it's impossible to truly determine the lowest rate in Dublin. Having just a slight variation in limits can make a big difference in price. And when comparing auto insurance rates, know that quoting more will improve the odds of getting the best price.

What determines how much you pay?

It's important that you understand the rating factors that help determine auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

The following are some of the factors companies use to determine prices.

Theft deterrents lower rates - Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
Rural vs Urban Areas - Residing in a rural area can save you money when buying auto insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. City drivers tend to have traffic congestion and longer commutes to work. Longer commute distances means higher likelihood of an accident.
Proper usage rating affects rates - Driving more miles in a year's time the higher your rate. Most companies price each vehicle's coverage based on their usage. Autos left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
Never go without insurance - Allowing your coverage to lapse will be a quick way to bump up your auto insurance costs. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.
Frequent auto insurance claims increase rates - Companies in North Carolina give cheaper rates to drivers who file claims infrequently. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Policy discounts you shouldn't miss

Car insurance companies don't always advertise every discount in a way that's easy to find, so here is a list some of the best known as well as the least known ways to save on auto insurance.

Payment Method - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
Auto/Life Discount - Some companies give better rates if you take out a life insurance policy as well.
New Vehicle Savings - Insuring a new car can save up to 30% since new cars are generally safer.
Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
Government Employees - Simply working for the federal government can save as much as 8% with a few auto insurance companies.

It's important to note that most discount credits are not given to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, you're out of luck.

For a list of insurance companies who offer auto insurance discounts in Dublin, click this link.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's situation is a little different.

For example, these questions can help discover whether your personal situation might need an agent's assistance.

Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?
What are the best liability limits?

If it's difficult to answer those questions, then you may want to think about talking to an agent. If you don't have a local agent, complete this form.

Additional detailed information is available at the North Carolina Department of Insurance website. North Carolina drivers can view a list of available companies, view agent and company licensing information, and file complaints about an insurance agent or broker.

Affordable insurance is out there

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, delays in paying claims, being labeled a high risk driver and poor customer service. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

While you're price shopping online, it's a bad idea to reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented some good ideas how to lower your auto insurance rates. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the lesser-known companies.