McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Delaware Car Insurance

Delaware (DE) thrives on its agriculture, including soybeans, corn and milk, along with its manufacturing, mining and fishing industry. What some may not know is that Delaware (DE) is among the few states offering the lowest car insurance premiums and flexible costs for you to insure your vehicle. Now that more car insurance providers in Delaware are online receiving a Delaware car insurance quote is quick and easy for drivers to receive the benefits of those low costs. The First State, a nickname it received for being the first to ratify the Constitution of the United States, sets the minimum levels of financial responsibility when it comes to Delaware car insurance. This northern state has a generally moderate and pleasant climate. All the sights of Wilmington, Dover, Newark and Pike Creek, DE are accessible behind the wheel of your own vehicle. However, to be behind the wheel you must be insured.

Types of Delaware Car Insurance

The law requires each driver to carry three types of auto insurance in Delaware: bodily injury protection, property damage and personal injury protection (PIP). Driving an uninsured vehicle is against the law in Delaware and not only leads to fines or loss of license plate or driver's license, but can lead to higher car insurance premiums for other drivers trying to obtain Delaware car insurance. Since the state of Delaware follows the Tort system, someone must be found at fault for causing the accident and that individual's Delaware vehicle insurance provider will be responsible to cover costs associated with the accident.

While shopping for insurance in Delaware online keep the following amounts in mind as they are regulated by the insurance commissioner of Delaware. For bodily injury protection each driver is expected to cover $15,000 for personal injury in a single accident and up to $30,000 for an accident involving more than one person. Property damage coverage helps cover costs to another person's property up to the amount of $10,000 to a person involved in a single accident. Personal injury protection is the same amount for bodily injury protection; $15,000 for individual and $30,000 to all people involved in a single accident. PIP covers medical and health cost that are a direct result of a vehicle accident. Understanding these numbers and what they cover is easy as your online car insurance quote will explain each coverage option. Most carriers explain exactly what will be covered and provide customer service numbers for more information understanding your Delaware car insurance quote.

The above stated quotes are the minimum coverage required for state residents. Drivers may wish to purchase additional coverage. Online car insurance for a Delaware resident browsing gives you a quick way to see how your rate will be affected if you wish to purchase additional coverage to protect yourself from possible claims in higher amounts. Types of additional auto coverage include collision coverage, uninsured motorist coverage, towing and labor coverage and rental reimbursement. Additional coverage is not required by state law, but may be necessary if your bank or lender requires more comprehensive coverage. With additional coverage, your premiums will increase. Make sure to ask your online consultant about the overall costs.

Delaware Car Insurance Premiums Compared to Other States

Being in the driver's seat is easy and affordable with the auto insurance premiums in Delaware being lower than 42 other states in 2004, according to car insurance data. The 2004 premium amounts were a result of liability coverage averaging $705.74 and collision averaging $293.66. The state's low premiums are part of a larger trend. Since 2000, Delaware has been among the states offering the lowest car insurance premiums in the country. Judging from data collected since 2000, Delaware drivers in the state won't see an increase in their car insurance premiums anytime soon. Premiums for car insurance averaged $848.51 in 2000, and in 2001 it only increased to $850.56. The average car insurance premium rate for drivers for the year 2009 is $2,298 with the national average being $1,807. With prices this low residents will have spending money left over that they can use to visit any one of the state's attractions including Willington's Square and Town Hall, Brandywine Valley in Wilmington or visit the Grand Opera House or catch a performance by the Delaware Theatre Company. Maybe a romantic dinner of blue crabs and clams is in the stars as you enjoy the backdrop of the state's historic cities and sites.

Even with low car insurance premiums it's always a good idea to shop around for providers in Delaware. Drivers can receive quick online auto insurance quotes on this website. Shopping around can save you money as each insurer's rate is different.

Starting your search for a car insurance quote online is more than just a fast and easy service; it's convenient, as you can browse more than one coverage carrier at a time. Even if the state's auto insurance rates and premiums continue to be among the lowest in the United States, comparing prices between competitors can save you money and time. Shopping around and comparing prices is always a benefit as it could lead to lower vehicle insurance rates. The majority of companies in Delaware are direct companies that market to consumers directly, and often come with a better rate but can have lower customer care. Traditional carriers are online providing drivers with instant quotes, low rates and a point of contact person so he/she will always have someone with whom to discuss their auto insurance plan. Live chat is a popular option that allows you to communicate directly with a provider from the comfort of your home or nearby coffee shop.

It's important to remember that there are certain factors that will affect your car insurance quote, some that you can control others that you cannot. Gender and age are a prominent factor in your vehicle insurance quote received from your online provider. Statistically, men have more accidents on the road than women and some age groups are prone to be in accidents more than others. If you have a teenager, you may receive a higher car insurance quote for teens on your policy than if you had a mid-30's individual with a clean driving record for example. Another factor can be the type of vehicle you wish to insure. Luxury and sports cars have a higher average number of claims and the more expensive a vehicle is, the more expensive it is to insure. The frequency your vehicle is on the road is another factor that your online car insurance provider will consider.

Even with the factors that can increase your premiums and rates in Delaware when shopping for an auto insurance quote, there are ways to level the playing field. Married couples usually enjoy lower rates and premiums, as do those that live in rural areas such as Bear, Brookside or Hockessin, Delaware. However, given the relatively low population of the state's larger cities, including Wilmington and Dover, drivers are in good position to receive some of the best car insurance rates around. Maintaining a good driving record is a solid way to see your auto insurance premiums decrease. Auto insurers may also offer premium discounts to drivers who have taken an approved defensive driving course. If none of those options are applicable, auto insurance shoppers choosing a higher deductable will reduce the premiums of their car insurance, but that could result in a higher out-of-pocket expense in the result of an accident. Shopping for a Delaware car insurance quote online allows you to view all these factors quickly.

Whether you live in Dover or Wilmington or Seaford, make sure you have sufficient Delaware renters insurance.


Neighborhoods Served in

FREE Quotes, Multiple Insurers

Zip Code