UPDATED: Mar 13, 2020
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Cheap Car Insurance in Dover, DE
Do you need auto insurance in Dover? At AutoInsuranceEZ.com, you can get the very best insurance rates in your town. To obtain free car insurance quotes from the best providers today, enter your zip code into the quote box on this page.
Dover is quite the diverse city once you take a look at all it has to offer. From tax-free holiday shopping to NASCAR, Dover has a little something for every tourist. Additionally, it has long been a city for public service and government activity. And did you know that Dover is famous for its architecture? Many flock to Dover each year for tours of its historical buildings.
- Fun fact: Did you know that Dover is #23 on the list of “Top 101 cities with largest percentage of females working in industry: Electronic shopping and mail-order houses (population 5,000+)”? Learn more about Dover.
Auto Insurance Coverage Requirements in Delaware
Driving legally in Delaware requires the following types of minimum coverage:
|Bodily Injury Liability||15,000/30,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Personal Injury Protection||15,000/30,000||15,000/30,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
Keep in mind that, unlike most states, Delaware also requires drivers to add Personal Injury Protection (PIP) to their minimum requirements. If you are seriously hurt in an accident, and it is deemed “no fault”, PIP is one of the few ways in which you can get your medical bills covered by your insurance.
Delaware insurance averages can be a little high – some studies show that the average driver is paying somewhere around $132 per month for basic coverage. However, you can get covered in Dover for as little as $76/mo* while still maintaining good coverage on your vehicle.
If you’re a Dover resident shopping around for the lowest rate, your best bets are probably Nationwide, State Farm, or National Grange Mutual. However, keep in mind that a low rate doesn’t automatically equal the best choice. What if you don’t like their customer service, or their claims service is a nightmare? Then the low rate might not be worth it.
Auto insurance carriers evaluate various variables when establishing insurance quotes, including driving violations, accident claims, credit score/rating, miles driven each year, and business use of the vehicle. In addition, premiums change from carrier to carrier. To find out whether you’re still paying the most affordable rate, compare cheap Delaware car insurance by clicking here.
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Major Car Insurance Factors in Dover
Insurance companies take numerous variables into account when crafting an auto insurance policy. Unfortunately, many of these variables are difficult or impossible to change, such as your credit score or where you live. Other variables your car insurance company may consider include:
Your Zip Code
The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Dover is 37,366 and the median household income is $45,969.
The good news is that, as a whole, accident statistics are fairly low for the city of Dover. However, in per capita terms, it is higher than other parts of the state. This may have a negative impact on your monthly premiums if your insurer believes that it raises their risk of insuring you.
Auto Thefts in Dover
Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Dover was 86 back in 2013, which means that thefts are back on the rise. Protect yourself from becoming another statistic by adding Comprehensive coverage to your policy. It’s the only type of coverage which will pay out if you have to file a theft claim.
Your Credit Score
Unfortunately, many insurance agencies these days use your credit score to determine how much to charge you for premiums. Automotive insurance is no exception. The better your credit score is, the less you have to worry. But if you have poor credit, you could end up paying twice or even three times as much as someone with a higher credit score.
The less experience you have behind the wheel, the more likely you are to get into an accident. Insurance companies have decades of data proving this unfortunate fact. And if you are more likely to get into an accident, your insurance company will protect itself against that risk by charging you higher rates, as you can see in the chart below.
Your Driving Record
Having several violations on your record, or having serious violations such as Drunk Driving, will significantly raise your monthly rate. It may make you ineligible to get covered at all depending on the company. But if you only have one or two minor citations in the last few years, look into your provider’s “Accident Forgiveness” policy. Your provider will basically ignore a minor violation when calculating your premiums if you qualify.
Common, inexpensive vehicles are cheaper to insure for a variety of reasons. For one, fixing a dented bumper or replacing an engine part in a Honda sedan is decidedly cheaper than similar repairs on a luxury sports car. In addition, luxury vehicles require extra coverage, such as Collision, Comprehensive, etc. – this isn’t necessarily the case for most vehicles.
Minor Car Insurance Factors in Dover
Sometimes, these factors can also influence how much you pay for your car insurance:
Your Marital Status
Married couples have the advantage over singles in that they can bundle multiple policies together and get savings discounts. Of course, all of your policies have to be bundled with the same company in order to be eligible first.
Did you ever really believe that there was a significant difference between one gender or another when it came to driving? Well, as it turns out, neither do most insurance companies these days. Several providers charge the same premium, if the only real difference is gender. Others may charge 2-3% more for one gender over another, and it isn’t always the gender you think it is.
Your Driving Distance to Work
Depending on what part of the city you live in, your commute could be as short as 14 minutes or as long as 26 minutes on average in Dover. Of these, more than 75% drive to work in their own car. Another 7% like to carpool.
It doesn’t matter why you drive, or how many miles you drive each year – even though insurance companies do tend to ask such questions. In reality, your answers will only change your premiums by a few percentage points. Business vehicles, however, tend to cost around 10-13% more to insure on average.
Your Coverage and Deductibles
You can get additional forms of coverage added to your policy, or get covered in larger amounts, and still pay a relatively low rate if you raise your deductible. Just remember to put away part of that savings for a rainy day, in case you do ever have to file a claim.
Education in Dover, DE
More than 20% of Dover motorists have earned a high school diploma or equivalent. A smaller percentage of drivers also have a bachelor’s degree. And, believe it or not, this can help you save more on your insurance than your job, or your salary. If you’d like to save money on your car insurance, you can use your higher education degree to earn discounts from your insurance provider.
There are several institutions of higher learning available for prospective students in Dover. Delaware State University has a long history of cultural diversity, several schools to choose from, and even a graduate program. Wilmington College offers a variety of degrees and certificates, and even has a location at Dover Air Force Base.
Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
These Companies Offer Lowest Rates on Auto Insurance in Dover, Delaware – Check Out Rates Now