Delaware is a wonderful place to drive. You can enjoy the scenic coastline at Seashore State Park and take a trip through Dover or the countryside. But driving a car in this state can also be expensive, especially if you don't have the right auto insurance. There are a few things you can to do lower your insurance rates and ensure you have all the coverage you require.
The General
First, determine what kind of coverage you require and what your budget is. Most drivers can save money on their premiums by shopping around, applying for discounts and maintaining a clean driving record.
You can increase your protection and that of your vehicle by adding additional optional coverages. You can choose between bodily harm, property damage, and personal injuries protection (PIP).
Optional coverages are expensive, but can help you save money in the end. As an example, comprehensive and collision coverages may help cover the cost of repairs after a car accident.
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 coverage protects the assets of your company from any accidents that could affect your business.
This can also cover medical bills and wages lost if an uninsured person causes an accident. Insureon lets you compare Delaware business auto insurance quotes with leading U.S. providers if you are a medium or small-sized enterprise.
Discounts are available for drivers who have good driving records and for homeowners.
Delaware auto insurers all offer discounts. There are many discounts available, including a good driving discount, student driver discount, and homeowner discount.
You can also lower your costs if you bundle your insurance or increase your deductible. You can often get discounts by paying your bill electronically, enrolling in automatic payment or paperless billing.
The State of Delaware requires all motorists to carry minimum levels of liability car insurance. It means you must carry at least $50,000 bodily injury coverage per accident and $25,000 bodily liability coverage per person.
In addition to these minimum limits, many Delaware drivers opt for higher amounts of coverage. This is known as "full coverage," and it can lead to lower annual rates for drivers with good driving records and good credit.
DUIs and criminal Infractions
If you have been convicted of driving while intoxicated or under the effects of drugs, your rates could skyrocket. This is because a DUI or criminal infraction can result in fines and jail time. You may be required to install an interlock ignition device in your car.
Your Location and Age Are a Key Factor in 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.