Delaware is a great place to drive, whether you are enjoying the scenic coast at Seashore State Park or taking a road trip around Dover and the countryside. This state has some of the most expensive auto insurance, so it can be very costly to drive a vehicle. You can lower your auto insurance rates by taking certain steps.
The General
First, determine what kind of coverage you require and what your budget is. The majority of drivers can lower their rates by shopping around for insurance, applying to discounts and keeping a clean record.
You can increase your protection and that of your vehicle by adding additional optional coverages. Choose between bodily injuries, property damages and personal injury protection coverages (PIP).
You can save money by adding optional coverages. In some cases, collision or comprehensive coverages will pay for damages after an accident.
Commercial Auto Insurance
Commercial auto insurance may be required by Delaware businesses that use company vehicles. This coverage protects your assets from accidents that may affect your business.
If you're involved in an accident involving an uninsured vehicle, it can cover your medical bills and lost income. Insureon helps you compare Delaware commercial car insurance quotes from the leading U.S. carriers if your business is small or medium sized.
Discounts to Good Drivers, Homeowners and Residents
You can get discounts from almost all Delaware auto insurance companies. This includes discounts for being a safe driver, a student or homeowner.
You can reduce costs by bundling policies or raising the deductible. Oft, you may even be eligible for discounts if you pay your monthly bill via electronic means or sign up for autopay/paperless bills.
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 often opt to purchase higher coverage amounts in addition to the minimums. This is called "full coverage" and can mean lower annual premiums for a driver with a good driving history and good credit.
DUIs & Criminal Infractions
You may see your insurance rates skyrocket after a DUI conviction. DUIs or criminal infractions can lead to jail time and fines. In some cases you may need to install a vehicle ignition interlock.
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. If you live in a densely populated area, your risk of getting into an accident is higher, so you'll likely pay more for coverage.