Delaware has some great driving opportunities, whether you're taking a scenic drive along the coast in Seashore State Park or a tour of Dover and surrounding countryside. It can be expensive to drive in this state, particularly if you do not have adequate auto insurance. Luckily, there are some things you can do to lower your rates and make sure you have the coverage you need.
The General
First, determine what kind of coverage you require and what your budget is. The majority of drivers can lower their rates by shopping around for insurance, applying to discounts and keeping a clean 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 between bodily harm, property damage, and personal injuries protection (PIP).
You can save money by adding optional coverages. In some cases, collision or comprehensive coverages will pay for damages after an 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 your assets from accidents that may affect your business.
This can also cover medical bills and wages lost if an uninsured person causes an accident. Insureon allows you to compare Delaware commercial auto insurance quotes from top U.S. insurers if you're a small- or medium-sized company.
Discounts on Good Driving and Homes
Delaware auto insurance offers discounts. This includes discounts for being a safe driver, a student or homeowner.
You can lower your costs by bundling or increasing your deductible. You may be able to get discounts when you enroll in automatic payments or electronic billing.
Delaware requires that all drivers have minimum coverage for liability auto insurance. The minimum liability insurance coverage is $25,000 per person/$50,000 per accident for bodily injuries and $10,000 per individual/$20,000 per incident for property damage.
Delaware drivers are opting for more coverage, in addition these minimum amounts. This is called full coverage and can lead to lower rates for a driver that has a clean driving record and good credit.
DUIs & Criminal Infractions
Insurance rates can increase if you've been convicted for driving while under the influence. A DUI or criminal offense can lead to fines and prison time. In some cases you may need to install a vehicle ignition interlock.
You're Location and Age are Key to Insurance Rates
Delaware car insurance rates are determined by many factors, such as your driving record and the area you live in. In densely populated areas, the risk of an accident is greater, and you will pay more.