Delaware Auto Insurance

If you’re a new Delaware driver, it is important to know the laws regulating Delaware auto insurance. Don’t assume that these laws are the same as those in other states or that it is your choice whether or not to carry an insurance policy. Delaware auto insurance is mandatory, and if you’re caught driving without it, you could face large fines and other penalties.

Auto Insurance Agents 

Need to find an auto insurance agent in your area? Read more...

Comparing Companies and Rates 

The best way to save money on your Delaware auto insurance is to shop around. The following companies all offer auto insurance in this state. Read more...

Auto Insurance Discounts 

Auto insurance is high, but in some cases, you can get a Delaware insurance discount for taking certain classes or being a safe driver. Delaware defensive driving classes, which are offered by the state, typically give drivers a 10% discount when completed, and if you take a refresher course every three years, you can bump that up to a 15% discount. Delaware driving school can be completed in person or online. Read more...

Insurance Requirements 

In Delaware, you must carry liability insurance if you want to drive legally. Every state has different liability minimums. Delaware auto insurance minimums are as follows. Read more...

Levels of Auto Insurance 

Delaware is a tort state, which means that you have to buy auto insurance to protect the other people on the road, not yourself. Most Delaware auto insurance companies offer a “basic” coverage plan, which allows you purchase the state minimums, as listed previously. However, it is recommended that you boost you coverage to at least the following levels. Read more...

Risks of Not Having Auto Insurance 

If you cancel your Delaware auto insurance or are dropped due to nonpayment, the Delaware Division of Motor Vehicles will be immediately notified. The DMV also routinely selects random drivers to audit, and if you’re pulled over for any reason, you’ll have to show proof of insurance. As you can see, it is extremely easy to get caught driving without insurance. Read more...

Delaware Motorcycle Insurance 

Motorcycle are considered vehicles too, and in Delaware, it is illegal to drive a motorcycle without Delaware motorcycle insurance. You are required to carry the same 15/30/10 insurance for your motorcycle as you would for another type of vehicle. Read more...

Types of Coverage

As a driver, it is not only important to buy Delaware auto insurance, but it is also important to understand what the different types of coverages mean to you. When you’re in an automobile accident, you want to know exactly how you are covered. Let’s take a look at the different kinds of insurance you must buy, as well as the types of coverage you can choose to buy. Read more...

What Affects Insurance Rates?

Delaware defensive driving school isn’t the only thing that could affect your auto insurance rates. Even if you are a safe driver, you may find that your rates are high. In 2007, Delaware auto insurance costs averaged between $900 and $1000 annually, and if you’re an inexperienced driver, your rates will be on the high end of that spectrum. Here are some other factors that affect your rates. Read more...