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Delaware Car Insurance

When people purchase a new vehicle, or their automobile insurance is about to expire, it is a fantastic time to check on all the different ways to save money on automobile insurance plans. Car coverage can vary from one city to the next, and each company uses different formulas to determine the prices a person will pay on their automobile insurance plan. General can help you get the top insurance rates in the state. Also, get the confidence you need that your insurance will meet the minimum requirements, meet your customer satisfaction needs, and more. While many people believe that getting an auto insurance policy will take a lot of time, by allowing people to compare prices from multiple companies all in one place, General can help you speed the process up.

Auto Insurance Requirements In Delaware

Anytime a person is driving in the state of Delaware, they will need to have a valid auto insurance policy in order to be driving legally. Getting free quotes is important, and there is other information you should know about getting an auto policy as well. Drivers in the state of Delaware are required to have liability insurance coverage. Personal injury protection, also called PIP, is also required. Bodily injury insurance coverage is required in Delaware for $15,000 per person and $30,000 per accident. In addition, property damage coverage is needed for the amount of $10,000 per accident. Also, personal injury protection coverage is mandated in the amount of $15,000 per person and $30,000 per accident.

Drivers in the state are also given the option of purchasing uninsured and underinsured motorist coverage. This is an insurance policy that helps protect a driver if they are in an accident with another vehicle operator who does not have enough insurance to cover their expenses. While offered, this type of coverage can be rejected in writing for people who do not want it. Many drivers also choose to purchase additional insurance coverage to protect themselves further if an accident occurs. Getting into a car crash can be very expensive, costing tens of thousands of dollars.

People who are just moving to Delaware for the first time may find themselves with questions about what PIP protection is. This type of insurance policy helps cover medical expenses if you are injured in a car crash, regardless of who is at fault. It can also cover wages lost due to lost work as well as household help for tasks you could do on your own before you were injured.

Average Cost Of Coverage In Delaware

In Delaware, the average cost for auto insurance is $1,700 per year, which is above the national average. The costs a person pays for automobile insurance are impacted by several variables, including the location a person lives, the number of miles they put on their vehicle each year, their driving record, credit score, and more. Use this information to help you save money on auto insurance plans. If you can improve your driving record, improve your driving score, and focus on the types of vehicles you purchase when you buy a new car, you can keep even more money in your pocket.

Age Average Premium (yearly)
16 $8,351
17 $7,096
18 $6,232
19 $4,276
20s $2,394
30s $1,667
40s $1,647
50s $1,541
60s $1,559
70s $1,913

Cheapest Car Insurance Companies In Delaware

Numerous companies provide insurance policies in Delaware, and by comparing prices, you can save the most amount of money possible. Getting the cheapest car insurance is best done with a plan. Start by getting auto insurance quotes from the most affordable car insurance providers in the state. USAA, Travelers, Progressive, and Geico, are among the least expensive car insurance companies in the state on average. Getting quotes from a few other companies can also help people save, as different providers use different formulas to determine a person’s rates.

Each of these companies is well-known in the United States. Keep in mind the price is not the only thing a person should be looking for when seeking out car insurance plans to purchase. Customer service, financial strength, reliability, and the services a company offers are also essential. Focus on the types of insurance you are interested in buying when making a selection.

Rank Company  Avg. Premium (annual)
1 USAA $1,003
2 Travelers $1,075
3 Nationwide $1,550
4 MetLife $1,712
5 State Farm $1,861
6 GEICO $1,942
7 Encompass $2,239
8 Progressive $2,302
9 Allstate $3,595
10 Liberty Mutual $8,401

Unique Car Insurance Rules And Penalties In Delaware

Those who choose to drive without insurance in the state of Delaware are breaking the law. With fines, fees, and other consequences that can add up fast, driving without insurance in the state can be an expensive proposition. Penalties for not having an insurance plan can be up to $1,500 for the first offense and up to $3,000 for the second offense. In addition, drivers can face driver’s license suspension, jail time, and more.

Auto insurance providers are also required to inform the state if a lapse of insurance coverage occurs.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $3,463 89% $1,635
Refused Breathalyzer/Chemical Test $3,411 87% $1,583
DUI $3,411 87% $1,583
Racing $3,386 85% $1,558
Reckless Driving $3,272 79% $1,444
Driving with a Suspended License $3,091 69% $1,263
At-Fault Accident $2,673 46% $845
Driving with an Open Container $2,370 30% $541
Operating a Vehicle Without Permission $3,005 64% $1,177
Passing a School Bus $2,794 53% $966
Improper Passing $2,213 21% $385
Following Too Closely $2,213 21% $385
Speeding $2,333 28% $505
Failure to Stop at a Red Light $2,213 21% $385
Illegal Turn $2,213 21% $385
Driving Wrong Way/Wrong Lane $2,213 21% $385
Failure to Yield $2,213 21% $385
Speeding in a School Zone $2,207 21% $379
Driving Too Slowly $2,207 21% $379
Distracted Driving $2,104 15% $276
Driving with Expired Registration $2,698 48% $870
Failure to Show Documents $2,159 18% $330
Not-at-Fault Accident $1,866 2% $37
Failure to Use Child Safety Restraint $1,866 2% $37
Failure to Wear a Seat Belt $1,866 2% $37
Driving Without Lights $1,866 2% $37

How To Get The Cheapest Car Insurance In Delaware

The more money a person saves on their car insurance plan, the more money they have to spend other things they are interested in purchasing. Add more money to your budget by comparing the rates multiple companies offer. This is one of the best ways to save money on automobile insurance coverage. 

When looking into an auto insurance plan, look into the types of coverage you need. Many people find themselves purchasing more car insurance coverage than they need. Others find themselves buying less than they need. Either of these things can end up costing a person more money than they need to pay in the long run. Finding a good balance between your needs and the policy you purchase is vital.

Another way that people save is by taking advantage of discounts. There are tons of discounts available for drivers, including good driver discounts, multi-policy discounts, multicar discounts, good student discounts, antitheft device discounts, and numerous others. With the free quote tools here at General, you can find the best prices for car insurance available in your area. General has many tools, resources, and a team with immense knowledge of insurance. Take advantage of all of these and find fantastic savings today.

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