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Delaware auto insurance laws
Delaware is considered a tort state, which means that if you are a resident of the state, you're financially responsible for the damage and injury you cause in an auto accident. Delaware auto insurance laws require that all drivers carry liability coverage to meet this financial responsibility.
Delaware's liability minimums are 15/30/10. (That's $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $10,000 for damage you cause to the other party's property.)
Delaware auto insurance laws also require personal injury protection (PIP). This policy pays for injuries to you and your passengers regardless of who was at fault in the accident. You are required to carry minimum coverage of 15/30 ($15,000 per person, up to $30,000 total).
These are only minimums, however, and carrying more coverage, particularly liability, is recommended.
Delaware auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage (an important optional policy).
Sidebar If you are a Delaware resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.
The price of Delaware auto insurance is decided by the behavior of the state's drivers as a whole. Delaware auto insurance companies take the cost of providing insurance for Delaware drivers (this includes settlements and legal fees) and divide it up among the drivers.
But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all insurance companies compute their figures in the same manner. So they'll charge different rates on the same driver.
What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Delaware auto insurance policy. Fortunately,shopping around is easy to do online.
Where to get Delaware auto insurance quotes
The following web sites will help you find Delaware car insurance quotes: (these links will open in a new window)
ComparisonMarket is the most accurate and easiest-to-use online quotes comparison service, and is the site to visit first when you are looking for savings on top-rated coverage.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.