Car insurance in Delaware is an absolute necessity, yet doesn’t have to be costly. Our Delaware Car Insurance Calculator makes the process easier by giving estimated quotes tailored specifically for your driver profile and vehicle type. By inputting information such as driving record, age and year make model of your car into our calculator you can estimate premium costs. Afterward, compare them against average costs in your area of Delaware before reviewing which companies have superior or inferior customer service according to NAIC complaints.
USAA, Amica and State Farm offer the cheapest car insurance policies in Delaware for common driver profiles; however, your individual rate may differ significantly depending on your individual situation. MoneyGeek research demonstrates that adding a teen driver, having a DUI conviction or bad credit can cause rates to skyrocket; even receiving one speeding ticket could increase it by almost $1,000!
Save money by raising your credit score – one of the key indicators of risk. Drivers with higher credit scores tend to file fewer claims, and consequently enjoy lower premiums; in Delaware alone this could save them as much as 15% off their car insurance policy premiums!
Other factors affecting car insurance in Delaware may include how often and where you drive, as well as traffic accidents in your area. Insurance companies use data like crash reports and accident statistics to analyze which areas present more of a risk and charge accordingly – for instance, drivers living in one ZIP code might pay more due to variations in crime rates, car thefts and traffic volumes than others.
Additional coverage options that go beyond what is required by Delaware are available, including collision and personal injury protection (PIP). These coverages protect you in case of an accident regardless of who caused it.
Delaware drivers should at a minimum carry coverage limits of $25,000 in bodily injury liability per person and $10,000 property damage liability and $15,000 Personal Injury Protection per accident. For maximum protection during major collisions, higher liability limits should be considered.
There are many factors that impact car insurance rates in Delaware, but three of the most influential are age, driving history and vehicle type. Your amount deposited for coverage also has an effect. In general, however, the easiest way to find cheap Delaware car insurance despite multiple violations or DUI is using our Delaware Car Insurance Calculator; just 10-15 minutes can help save a great deal over time!