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This page features recent info regarding car insurance in the state of Delaware. Read on to pinpoint the Delaware car insurance plan that works for you.
The Average Annual Car Insurance premium in Delaware this year was about $1,646, a far cry above the overall national average auto insurance premium of about $1,365.
The reason for this is probably that Delaware has a denser population than most U.S. states, which may at least partially account for the higher than average annual premiums on auto insurance.
Actuaries calculate car insurance premiums based on factors like local weather, topography, economy, crime rates, state laws, and population density, to name just a few of the location-specific variables involved.
Other influences on annual premiums are personal demographics such as the driver's age, gender, criminal record, household status, marital status, driving history, and car model, for instance.
Getting caught driving without car insurance in Delaware results in a fine of $1,500 for a first offense.
Repeat violations incur fines of up to $4,000, along with a suspended license for at least six months.
The state of Delaware has an average percentage of uninsured drivers - just over 11%, which is neither high nor low.
The minimum state-mandated auto insurance for each owned vehicle in Delaware is 15/30/10.
This means that Delaware drivers must buy
Still, these amounts are usually not enough to cover the entire cost of an accident. Many Delaware car owners with minimum coverage end up paying large out of pocket expenses.
In fact, insurance analysts recommend 100/300 in injury coverage for each vehicle owned in America. Obtain a quick car insurance quote to find out your premiums for different levels of car insurance coverage.
insurance carriers in Delaware and most other states offer discounts on insurance premiums to promote smart driving habits. Here are just a few of the discounts offered:
Whenever you call for a quick car insurance quote, be sure to inquire about the discounts!
According to recent consumer reports, the top car insurance companies in Delaware are
in that order.
carriers popular in Delaware include Liberty Mutual and Travelers
Insurance. Regional carriers are also an option.
Whichever type of carrier you decide to go with, call five or six local insurance agents for competitive quotes on auto insurance. Then obtain a few free quotes online. Then, simply compare quotes to find the cheapest rate.
And don't forget to ask about those discounts!
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