Delaware is one of the best places to drive. Enjoy the scenic coast line at Seashore State Park. Or take a journey around Dover, the countryside and other towns. 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. The majority of drivers can lower their rates by shopping around for insurance, applying to discounts and keeping a clean record.
You will need to ensure that you have enough liability coverage. However, you can also add optional coverages for more protection. Choose between bodily injuries, property damages and personal injury protection coverages (PIP).
The cost of adding optional coverages will increase, but in the end you may save money. 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.
This can also cover medical bills and wages lost if an uninsured person causes an accident. Insureon's Delaware commercial auto coverage quotes are available from leading U.S. insurance companies for small and medium businesses.
Discounts for good drivers and homeowners
Almost every Delaware auto insurer offers discounts that you can take advantage of. There are many discounts available, including a good driving discount, student driver discount, and homeowner discount.
You can also reduce your costs by bundling your insurance policy or raising your 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.
Delaware mandates all motorists carry minimum amounts of car insurance liability. This means that you need to have at least $25,000 per person / $50,000 per accident in bodily injury liability coverage and $10,000 per person /$20,000 per accident in property damage liability coverage.
Delaware drivers often opt to purchase higher coverage amounts in addition to the minimums. Full coverage is what this means. It can result in lower premiums if you have a good driving record and credit.
DUIs and Criminal Infractions
Insurance rates can increase if you've been convicted for driving while under the influence. This is because a DUI or criminal infraction can result in fines and jail time. You may be required to install an interlock ignition device in your car.
Your Age and Location are Key Factors in Insurance Rates
Delaware auto insurance costs are influenced by several factors. These include your driving history, and where in Delaware you live. You'll pay more for insurance if you live in an area with a high population density.