Delaware is one of the densest states in the country, which drives up auto insurance rates throughout the state. Traffic congestion means more cars on the road and an increased chance of accidents; accidents lead to claims which drive rates upward. There are ways you can keep your rates low by shopping around and comparing quotes; having a safe driving record also helps lower them as insurers assume safe drivers will make fewer claims; an average speeding ticket will raise rates by 16 percent while serious incidents such as DUI could increase them 85 percent or more.
As drivers in Delaware are required to carry liability coverage of up to $25,000 per person and $50,000 per accident as well as Personal Injury Protection (PIP), minimum limits don’t provide sufficient coverage of medical costs and other losses associated with an accident; we suggest increasing or switching policies altogether in order to meet this minimum standard.
State Farm offers competitive car insurance rates to high-risk drivers and teen drivers in Delaware at affordable rates, boasting high customer satisfaction ratings from both Better Business Bureau (BBB) and AM Best (AM Best). Other affordable providers such as USAA and GEICO both provide discounts to drivers with excellent credit histories and safety records.
One can still find affordable auto insurance in Delaware even with poor credit, though rates will depend on factors like age, driving history and location. By studying average Delaware car insurance rates by rating factor you can gain more insight into what your individual premium could look like.
Young drivers driving alone will typically pay twice as much, while residents in urban areas will see their rates increase more than those living in rural settings.
Rising your deductible can also help lower car insurance premiums. By being responsible for more of any repairs that arise, but raising it could actually lower rates significantly.
Comparing car insurance quotes regularly is the cornerstone of saving on car insurance premiums, ensuring you’re receiving the most cost-effective rate. Enter your ZIP code above to start comparing quotes from top providers in Delaware – don’t forget to inquire about discounts such as good student discounts or loyalty bonuses that may apply! So what are you waiting for – compare car insurance rates today and select your provider/purchase policy later; just keep checking back, as great offers often only last temporarily! Good luck on the road!