Cheap auto insurance for teenagers in Delaware

All drivers in the state of Delaware must have the minimum mandatory auto liability insurance. This law includes your teenage driver. You must carry $15,000.00 for each individual injured or killed in an accident, $30,000.00 for all the people involved in the accident, and $10,000.00 to cover all property damages. You are not required to have uninsured/underinsured motorist liability insurance. Since statistics show that the first year behind the wheel of a car is the prime time for teenage automobile accidents, your insurance company may recommend that you carry uninsured/underinsured motorist, comprehensive and collision on your teen as well as raising the limits on your mandatory liability insurance to more than the state requirements.

As the parent, you are required by the state of Delaware to take financial responsibility for your teenage driver. Your teen driver must carry their proof of insurance in the vehicle at all times. You must produce proof of insurance upon request by the authorities. Information concerning your insurance coverage will be supplied to the DMV by the insurance company and will include the name of the insurance company, the dates of coverage, and the amount of liability coverage. It also needs to include the policy number, VIN number of the vehicles covered, the make and model of the vehicles as well as the name of the policy holder. The auto insurance needs to be authorized by a qualified auto insurance company. Even if the teen is not at fault for an accident, they must provide proof of insurance to the officer on the scene.

They must also have proof of insurance for any regular traffic stop. The penalties for not carrying current minimum liability auto insurance in the state of Delaware include fines, loss of your driver’s license and registration. The fines can range from $100.00 for the first offence to $3,000.00 if you get caught a second time without valid proof of insurance. Your Teen’s license may be suspended for six months along with your car’s registration. The suspended registration will mean that no one can operate the vehicle. Delaware does a random check for insurance coverage on car registrations so it is important to keep your coverage up to date.

Adding your teen to your policy will generally be less expensive than putting them on a policy of their own. Even then, the cost of adding your teen to your insurance policy will raise your premiums from $1200.00 to $4900.00 per year. On average, the premium will raise approximately $2,171.00 per year.

For each successive year that your teen maintains a good driving record, the premiums will most likely go down. To maintain a good driving record, your teen cannot have any traffic violations or accidents on their driving record. They cannot be picked up for a DUI or talking on their cell phone. Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums.

In addition to a clean driving record, teens who maintain a “B” grade point average will also receive a discount on insurance premiums. Another discount available for teens will be given when the teen has successfully completed a state approved safe driving course. The type of car your teen drives will also affect your insurance premiums. Don’t put your teen in a luxury car or sports car. It may also help lower your premiums if you avoid the top 10 stolen cares in the state of Delaware. These cars include:

1. 1990 Honda Accord
2. 1996 Jeep Cherokee or Grand Cherokee
3. 1993 Dodge Caravan
4. 1994 Plymouth Voyager
5. 1996 Chevrolet Cavalier
6. 1990 Honda Civic
7. 1996 Ford Taurus
8. 1991 Ford Explorer
9. 1992 Toyota Camry
10. 1995 Chevrolet Blazer

Following these guidelines will save you between 10 to 15% on your auto insurance premiums for your teenage driver.