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. There are ways to lower rates and get the coverage needed.
The General
To find the best Delaware car insurance, you must first understand what coverage is needed and how much you can afford. The majority of drivers can lower their rates by shopping around for insurance, applying to discounts and keeping a clean record.
If you want to protect yourself and your car, you can choose additional coverages. You can choose between bodily harm, property damage, and personal injuries protection (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
Commercial auto insurance may be required by Delaware businesses that use company vehicles. This insurance protects your company's assets against any accidents which could negatively affect your company.
In the event that you are in an accident where there is an uninsured party, your insurance can cover medical expenses and lost wages. 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
Delaware auto insurance offers discounts. This includes discounts for being a safe driver, a student or homeowner.
Bundling insurance policies or increasing your deductible can reduce your cost. 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 requires that all drivers have minimum coverage for liability auto insurance. 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 can choose higher limits of coverage in addition to these minimums. Full coverage is what this means. It can result in lower premiums if you have a good driving record and credit.
DUIs, Criminal Infractions
Insurance rates can increase if you've been convicted for driving while under the influence. DUIs or criminal infractions can lead to jail time and fines. In some cases, you may also need to install an ignition interlock device on your vehicle.
Your location and age are key factors in insurance rates
Your driving record and where you reside will determine the price of your Delaware auto insurance. If you live near a lot of people, you are more likely to be involved in an accident, which means you will have to pay more.