Delaware state

Living in Delaware means you’re never far from the beach. And tax-free shopping can be a leisurely way to spend your afternoon. But relaxing is a whole lot easier if you have an affordable auto insurance policy that gives you the coverage you need.

Shopping for policies no longer has to be the time-consuming and frustrating ordeal it was in the past. It used to be that the only way to shop for car insurance was by calling a handful of companies and driving down to their offices. Thanks to the internet, that is no longer necessary.

You can receive low-pressure car insurance quotes from reputable providers and make a comparison from the comfort of your own home. By comparing the rates of various insurers, consumers raise their chances of finding the most affordable company available to insure them.

Delaware Auto Insurance Laws:

All drivers are required by Delaware car insurance laws to carry the following minimum liability coverage:

$15,000 Bodily Injury Liability: This defines the total amount of medical costs paid for injury to one person. This does not cover you or people in your car.

$30,000 Bodily Injury Liability: This defines the total bodily injury coverage per accident when multiple people are injured. Anything above this amount will have to be paid out of your pocket.

$10,000 total Property Damage: This coverage pays to repair or replace other people’s damaged vehicles or structures. This policy will not cover your own vehicle.

Personal Injury Protection (PIP): This pays for medical expenses and loss of wages for the policyholder and/or passengers, to the following defined minimums:

  • $15,000 for injury to one person.
  • $30,000 for total injuries per accident.
  • $5,000 for funeral expenses.

The penalties for driving without insurance can be severe in Delaware. The first offense can result in a $1,500 fine and six months suspension of your license. Anytime you cancel a policy, your car insurance company will notify the DMV. You will need to surrender your license plates unless you have another policy in place.

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 coverage limits to help protect them from future financial hardships.

Liability insurance doesn’t cover damages to your vehicle. If you can’t afford a large, sudden expense, try comparing Delaware car insurance quotes for comprehensive and collision coverage. These policies will pay for the costs to repair your vehicle in the event of an at-fault accident or if your car is stolen or damaged in another way.

What determines your rates?

There are a variety of personal factors insurance agents use to set your premium rates. Your age, sex, location, driving history, and credit score will all be used for your quote. A person living in the city will pay more than someone living in a rural area, and a bad credit score is seen as a risk factor by insurance companies. The higher the risk you are, the higher your rate will be.

You’ll also need to know the details about the vehicle you are insuring, including the year, the make and model, and the current mileage. The more you drive your vehicle, the more your insurance policy will cost. The same is true for more expensive cars, but things like safety features and anti-theft devices can get you a discount.

The last factor to consider is the kind of coverage on your policy. A lower deductible will cost you more, but it can make it easier for you to get your payout in the event you need to make a claim. Getting higher maximum payouts will also cost you more, although sometimes the price difference is small enough to make the coverage much more valuable. Ultimately, you can’t decide which car insurance to choose until you decide what kind of coverage options you need.

These rates aren’t set in stone. If you get a citation or make a claim, it’s very likely your rates will go up. However, some companies offer accident forgiveness to qualifying drivers. This adds value to the policy that’s hard to put a price tag on, but worth considering when comparing rates.

Finding cheap Delaware car insurance

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 Delaware car insurance policies is to ask about discounts. Some companies offer a discount of up to 30 percent to policyholders that 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), and having the vehicle equipped with safety equipment and anti-theft devices.

If you’re not eligible for any of these savings, you may be able to get a price reduction for the completion of a defensive driving course. Practicing safe driving is paramount to keeping coverage costs down. Avoiding traffic violations and accidents can keep rates from increasing in the future.

The bottom line

If you’re looking for the perfect car insurance company, you’ll have to do more than ask your friends. There are too many variables that affect the rates, and different companies will cater to different kinds of drivers. By being accurate with the information you provide for an online car insurance quote, you will get actual prices.

If you know the coverage you need beforehand, you can choose the policy that’s right for you and print out your proof of insurance within a few minutes. If you do the legwork from home, you’ll walk away with a policy that’s right for you at a price you can afford.