Delaware Auto Insurance


Delaware stateDriving in the nation's first state means having automobile coverage. Since it is a mandatory expense in order to drive legally, one should obtain multiple quotes in order to compare and save. By comparing the rates of various insurers, consumers raise their chances of finding the most affordable company available to insure them.

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Shopping for policies no longer has to be the time-consuming and frustrating ordeal it was in the past. Previous methods to shop included having to call handfuls of companies and driving down to their offices. Thanks to the Internet, that is no longer necessary. Consumers can receive quotations from reputable providers and make a comparison right on their computer screen from the comfort of their own home.

Getting Cheap Car Insurance in DE

When it comes to finding the cheapest coverage, the most important step is the completion of a Delaware auto insurance comparison of quotes from a variety of insurers. The prices between carriers can vary greatly. By gathering rates from multiple providers, consumers will have the ability to see the range of prices they can expect to pay and eliminate any company with a quote that seems too high.

A must when shopping for cheap DE car insurance policies is to ask about discounts. Some companies offer a discount of up to 30 percent if policyholders meet certain qualifications. The most common items that reduce the price of premiums are things such as having a good driving history, being a good student (with a "B" average or higher), or having the vehicle equipped with safety equipment and antitheft devices. If not eligible for any of these savings, policyholders may be able to get a price reduction for the completion of a safe driver course. Practicing safe driving is important in order to keep coverage costs down. Not committing traffic violations or accidents can keep rates from increasing in the future.

Delaware Auto Insurance Laws:

All drivers are required by DE car insurance laws to carry the following three types of coverage:

Bodily Injury Protection - Pays for injuries to other parties

  • $15,000 for bodily injury to one person
  • $30,000 for bodily injury to two or more peopleDelaware law
Property Damage - Pays to repair or replace other people's damaged property
  • $10,000 total
Personal Injury Protection (PIP) - Pays for medical expenses and loss of wages for the policyholder and/or passengers
  • $15,000 for injury to one person
  • $30,000 for total injuries per accident
  • Also includes $5,000 for funeral expenses
These limits are relatively low when considering the cost of automobiles and medical care. The Delaware Auto Insurance Consumer Guide advises that motorists consider raising their limits to help protect them from future financial hardships. Also, none of the required policies cover damages to the insured's vehicle; drivers may want to obtain DE car insurance quotes for comprehensive and collision to help pay for the costs to repair their own automobiles in the event of an accident.

Delaware Car Insurance Questions

  • Can My Deductible Impact My Delaware Auto Insurance Premium?

    Delaware state flagA deductible can have a noticeable impact on how much a motorist pays for vehicle coverage. For people with comprehensive and collision coverage, this value represents the amount that the policyholder must cover when a claim is filed. Choosing a...

  • Are There Consequences for Not Having Proof of Insurance in Delaware?

    Great seal of the state of DelawareIn most situations, yes, failing to provide proof of vehicle coverage when it is necessary can result in some fairly serious consequences. Residents in Delaware are required to carry bodily injury protection, property damage liability and personally injury protection. Without sufficient proof motorists may be...

Delaware Auto Insurance News

  • New Delaware Law Turns On Electronic Proof of Car Insurance

    June 30, 2014 - Smartphones at the ready, Delaware drivers. The First State is the latest state in the U.S. to enact a law allowing drivers to show proof of auto insurance with an electronic device. Delaware's Insurance Commissioner ...

  • New Delaware Law Modifies 'Trigger' for UIM Car Insurance

    January 3, 2014 - Drivers in Delaware with underinsured motorist coverage (UIM) who are injured in a crash are now more likely to be able to use that coverage, thanks to a legislative amendment passed there months ago that goes into effect today. UIM coverage provides financial protection to policyholders when their hospital bills aren't fully ...

  • Del. Insurance Regulators Reclaim $1.3 Million in First Quarter

    June 1, 2012 - Insurance regulators in Delaware announced last week that they recovered $1.33 million in the first quarter of 2012 and a total of $3.7 million last year. The Consumer Services Division recovered $720,600 from 2,055 formal complaints, a significantly ...

Articles about Delaware Insurance

  • Delaware Auto Insurance Quotes without Personal Info

    Jan 03, 2012 - When motorists shop for auto insurance in Delaware there are certain precautions that should be taken. Although the First State is home to only 699,000 licensed drivers, there are still dozens of...

  • Rating Delaware Auto Insurance Providers

    Nov 11, 2011 - Although roughly 86 percent of all auto insurance policies that are sold in Delaware come from ten companies, residents still have a wide range of options when looking for...

  • Buying Auto Insurance in Delaware

    Aug 29, 2011 - Part of being a vehicle owner in Delaware is maintaining an adequate amount of coverage. Drivers in the First State need to carry not only bodily injury and property damage liability, but...