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Delaware Auto Insurance

In Delaware, auto insurance is an absolute necessity for anyone who owns a car in the state. Getting good Delaware car insurance at a good price is easy if you shop around. But who has time? Good news! Online quote tools have made it easier and faster than ever to get a variety of quotes on your Delaware auto insurance to help you compare what’s out there and get the best policy. Here’s a guide to most important things you should know before making a choice of insurers.

Delaware Auto Insurance Minimums

Delaware is one of the many states that requires people to carry a minimum amount of liability coverage, which rather low according to industry analysts. Every vehicle driven in Delaware must carry 15/30/10 liability. This translates to:

  1. $15,000 in bodily injury protection per individual

  2. $30,000 in bodily injury protection per accident

  3. $10,000 in property damage coverage per accident

These limits are ridiculously low and it’s often recommended to carry 50/100/25 if you are able. Of course, it is better to carry minimum insurance than risk having no insurance. However if you can afford it, get higher limits. If you were to be at fault in a serious accident, chances are high that these limits would not cover all the costs.

In addition, Personal Injury Protection or PIP is also required by the state of Delaware in the amounts of $15,000 per person and $30,000 per accident. This type of coverage will also pay medical expenses, as well as lost wages, for anyone in your vehicle, including you, who is hurt in an accident, regardless of who is at fault.

If your vehicle is financed, the finance company will require you to keep collision and comprehensive coverage on it until it is paid off. This is to help them protect their investment. Collision coverage will pay to repair or replace your vehicle if you are at-fault in an accident. Comprehensive coverage pays to repair or replace a vehicle that suffers a loss from certain things like fire, theft, vandalism, etc.

Factors That Affect Delaware Auto Insurance Rates

Insurance companies take a variety of things into consideration when setting rates. Each company weighs these things slightly differently, resulting in different premiums from different companies for the same individual. For this reason it is very important to shop around. Some of the factors examined in rate setting are:

  1. Where you live

  2. What you use the car for

  3. Make and model of the car

  4. Driving record of all the drivers

  5. Age and gender of the drivers

  6. Marital status of the drivers

  7. Insurance history, whether you’ve ever been canceled or gone without insurance for a period of time

Getting The Best Price On Delaware Car Insurance

The key to finding a cheap Delaware auto insurance policy is to shop around and compare prices, as well as coverage. Below are some things to keep in mind as you do so.

  1. Use an online quote tool like our on the top of the page to get your DE car insurance quotes. You will only need to make contact and answer questions once and you will get multiple quotes. Chances are some of the quotes may even come from companies you wouldn’t have thought to check. They will all be based on the exact same information therefore it’ll make them easy to compare too.

  2. Try your best to keep your driving record clean and avoid frivolous claims. These things will help you keep your premiums down. If you happen to get a ticket or be involved in an at-fault accident, take a driver’s education course to keep the demerit points off your license and to keep it from impacting your insurance.

  3. When you are thinking of buying a new car, get an insurance price quote on it or at least check to see how the new vehicle rates in terms of insurance before you purchase it. Some cars are a magnet for car thieves and, of course, expensive cars and sports cars are expensive to insure for other reasons.

  4. Raise your deductibles on collision and comprehensive coverage to save money on your premium. Doing so will save you a fair amount of money, especially over a couple of years.

  5. After you’ve settled on which company to go with, be sure to speak with an agent to be sure you’ve gotten all the discounts you can possibly get. Companies offer a wide variety of discounts for various things and you may get an even lower rate than you’ve already been quoted.

Delaware Auto Insurance Companies

There are a wide variety of auto insurance companies offering policies to residents of Delaware, however the top ones are listed below:

  1. GEICO

  2. State Farm

  3. All State

  4. Progressive

  5. Liberty Mutual

  6. Nationwide

  7. Hartford

  8. Sentry

  9. USAA

  10. AIG

  11. Berkshire Hathaway

  12. Esurance

Before taking the leap and getting a new policy, be sure to thoroughly check out any company you plan to do business with. You should be familiar with their customer service record. You want to know how quickly they respond to claims and what customers say about how they are treated. An online search should provide you with the information you are looking for.

You should also check the company’s financial stability before you purchase with them. You want to choose a company that will be around and able to pay if you need claims paid out. By checking with one of the independent insurance ratings companies, like A.M. Best, Moody’s or Standard and Poor’s, you will be able to easily access this information.

Get A Quote Now On Delaware Car Insurance

It has never been easier to get Delaware auto insurance quotes as it is by using a quote tool, like the one at the top of this page. You simply answer a set of questions about your driving record, your car and any other drivers who use it, and in no time you’ll have a variety of quotes to compare.

Remember to be completely honest when answering the questions, as your quote will not be accurate otherwise. You may also risk being canceled for nondisclosure and consequently have more problems when you look for your next policy.

Start your Delaware auto insurance quote now by inputting your zip code into the quote tool you see above.

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