Delaware Car Insurance Laws, Rates, and Minimums
Driving 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.
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 people
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.