Delaware is a great place to drive, whether you are enjoying the scenic coast at Seashore State Park or taking a road trip around Dover and the countryside. Driving in Delaware can be costly, especially if your auto insurance is not up to date. There are a few things you can to do lower your insurance rates and ensure you have all the coverage you require.
The General
In order to find the best car coverage in delaware, it is important to know what you need and can afford. Many drivers can save on their premiums if they shop around, apply for discounts and maintain a good driving record.
You will need to ensure that you have enough liability coverage. However, you can also add optional coverages for more protection. You can choose from bodily injury, personal injury protection and property damage coverages.
Adding optional coverages can raise your rates, but they can also save you money in the long run. For example, collision and comprehensive coverages can help pay for repairs after a crash.
Commercial Auto Insurance
Commercial auto insurance is required if you are a Delaware-based business owner and you use a vehicle owned by your company for business. This insurance protects your company's assets against any accidents which could negatively affect your company.
You can also get coverage for medical costs and lost wages in the event of an accident caused by an uninsured motorist. Insureon helps you compare Delaware commercial car insurance quotes from the leading U.S. carriers if your business is small or medium sized.
Discounts to Good Drivers, Homeowners and Residents
Delaware auto insurers offer discounts. This includes discounts for being a safe driver, a student or homeowner.
You can reduce costs by bundling policies or raising the 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 that all drivers carry minimum liability 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.
In addition to these minimum limits, many Delaware drivers opt for higher amounts of coverage. This is called "full coverage" and can mean lower annual premiums for a driver with a good driving history and good credit.
DUIs & Criminal Infractions
If you have been convicted of driving while intoxicated or under the effects of drugs, your rates could skyrocket. DUIs or criminal convictions can result in jail time, fines, and other penalties. In some cases you may need to install a vehicle ignition interlock.
You're Location and Age are Key to Insurance Rates
The price of your Delaware car insurance depends on a variety of factors, including your driving history and where you live. If you live in a densely populated area, your risk of getting into an accident is higher, so you'll likely pay more for coverage.