Delaware is a wonderful place to drive. You can enjoy the scenic coastline at Seashore State Park and take a trip through Dover or the countryside. But driving a car in this state can also be expensive, especially if you don't have the right auto insurance. Fortunately, you can take steps to reduce your rates while still getting the coverage that you need.
The General
Understanding your coverage requirements and what you can pay for is the first step to finding the best car insurance in Delaware. Shop around, ask for discounts and keep a clean driving history to save money.
If you want to protect yourself and your car, you can choose additional coverages. You can choose between bodily harm, property damage, and personal injuries protection (PIP).
Adding optional coverages can raise your rates, but they can also save you money in the long run. For example, collision and comprehensive coverages can help pay for repairs after a crash.
Commercial Auto Insurance
You need commercial auto coverage if you own a Delaware business and use company vehicles for business purposes. This coverage protects your assets from accidents that may affect your business.
In the event that you are in an accident where there is an uninsured party, your insurance can cover medical expenses and lost wages. Insureon allows you to compare Delaware commercial auto insurance quotes from top U.S. insurers if you're a small- or medium-sized company.
Discounts for Good Drivers and Homeowners
You can get discounts from almost all Delaware auto insurance companies. You can get discounts such as a good-driver discount, a discount for student drivers, and a discount for homeowners.
You can also reduce your costs by bundling your insurance policy or raising your deductible. Often you can get discounts on things like paying for your monthly bills electronically or signing up for paperless billing/autopay.
The State of Delaware requires all motorists to carry minimum levels of liability car insurance. It means you must carry at least $50,000 bodily injury coverage per accident and $25,000 bodily liability coverage per person.
Delaware drivers can choose higher limits of coverage in addition to these minimums. This is called full coverage and can lead to lower rates for a driver that has a clean driving record and good credit.
DUIs or Criminal Infractions?
If you have been convicted of driving while intoxicated or under the effects of drugs, your rates could skyrocket. DUI or criminal charges can lead you to prison and/or fines. You may be required to install an interlock ignition device in your car.
The Insurance Rates are largely influenced by your age and location
Delaware car insurance rates are determined by many factors, such as your driving record and the area you live in. In densely populated areas, the risk of an accident is greater, and you will pay more.