Cheap Delaware Auto Insurance

Regardless of where a person may be in the US, there’s a good chance that they may not be too happy with their auto insurance policy. They can be expensive, and that’s why so many people are looking for cheap auto insurance in Delaware. Fortunately enough, with our free quote tool, we’ve helped people just like yourselves obtain better rates – regardless of your driving history.

If you’re looking into cheap Delaware car insurance, you’ll find that understanding the laws and common practices to be pretty substantial. Under Delaware law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy. In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk. A college student who lives away from home and does not have access to a vehicle may be excluded. If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be either stated in the policy or on an endorsement.

The state of Delaware allows insurance companies to check your credit history when they set your premiums and determine whether they will insure you. The company may ask you to explain any bankruptcies, judgments, or credit problems. The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Delaware is a tort state which means you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers, so it’s important to factor that in when a person is looking for cheap auto insurance in Delaware. Insurance premiums in the state average about $1024.00. Delaware has the 8th most expensive auto insurance premiums in the nation as of 2006. The lowest premiums available in Delaware are for the minimum mandatory coverage and most often are given to the single young female driver.

On the other hand, a retired couple driving 6,900 miles per year on each vehicle generally has the most expensive premium rates. The lowest rate over all is$414.00 given to the young single male by National General Assurance Company. The highest rate comes from the American Independent Insurance Company for the elderly married couple in the amount of $7,272.00. These numbers exclude the premiums offered only to military personnel. There are 59 major insurance companies which have met the qualifications to sell auto insurance in the state of Delaware.

Below you will find a table comparing the annual premium estimates in the Delaware for an older married couple who drive a 2000 Honda Accord DX, and a Dodge Caravan SE, a single male driving a 2006 Chevrolet Trailblazer, a single female driving a 2000 Honda DX, and a young married couple driving a 2000 Honda DX and a 2005 Dodge Caravan SXT. In all circumstances, the individuals carry the minimum required insurance of $15,000.00 per person injury, $30,000.00 for all injuries, $10,000.00 of property damage and $15,000.00/$30,000.00 PIP coverage.

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating. If you have a teenage driver, it may be less expensive to include them on the family policy. Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums. The state also gives discounts for anyone who has taken and passed a driving safety course, as well as other things that heighten the chance for cheap auto insurance in Delaware.

But, regardless of your driving history, there may be a chance to receive something sufficiently more cost-effective than what you may be paying with our free quote tool. We’ve been known to supply people with the best possible rates some from of the best companies in the industry. Give it a try!

Source: Delaware Auto Insurance Laws

Useful links:
Delaware Division of Motor Vehicles
Delaware Division of Insurance
Delaware Department of Revenue

Bodily Injury Liability per Person: $15,000.00 Limit
Bodily Injury Total Liability: $30,000.00 Limit
Propery Damage Liability: $10,000.00 Limit
Personal Injury Protection Per Person: $15,000.00 Limit
Personal Injury Protection Per Accident: $30,000.00 Limit

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