Delaware car insurance isn’t any more confusing or difficult to purchase than other states. If you need a policy, it is pretty simple to get one. The trick is in finding a policy that you want, that fits your budget, all from an insurer that you can trust. A lot of people assume for some reason that the lowest price automatically equals the best deal. It’s true that the lowest price obviously requires you to spend the least amount of money, but you may not actually be getting the best overall coverage.
How can you make sure that you are getting the best auto insurance in Delaware? As a consumer, it’s important to compare quotes from multiple companies. Our website here allows you to enter your local zip code into the form at the top of the page and will show you all of the top providers in the state of DE. The providers that we list on our website will help you find the perfect policy for your needs and budget. Even though we can help you through the process, it’s still an extremely smart idea to know the insurance requirements in your state.
Minimum Delaware Car Insurance Requirements (15/30/10)
1. $15000 bodily injury (per person)
2. $30000 total bodily injuries (per accident)
3. $10000 property damage insurance (per accident)
In the state of DE, you as a driver are required to meet the above requirements on an insurance policy. Those are the minimum requirements and you do not need to get more than the minimum if you would rather not upgrade. However, many people find that purchasing additional coverage is a life saver and can really help in the long term. All it takes is a single bad accident for damages to really take their toll on your finances if you don’t have enough insurance.
It’s important to keep things in perspective when upgrading an insurance policy though. If you don’t drive often or don’t have a very expensive vehicle, you may not want to get comprehensive coverage. On the other hand, if you are the type of individual that drives often and logs many hours on the road, you will probably want to get more coverage.
Delaware No Fault Policy as “Add On” Coverage
Delaware does allow for “add on” no fault car insurance if you would like to purchase it. It is only one of four states that offers “no fault” to be added to a policy. Drivers are allowed to purchase personal injury protection insurance a.k.a. P.I.P. coverage. This type of add-on allows the driver that is injured to get paid regardless of the party that caused the accident. The driver can still file a lawsuit for injuries as the result of an accident as well as for pain and suffering.
If you would like to get “no fault” so that you are insured no matter who is “at fault” for the accident, you have that option in DE. Is it recommended to get this type of coverage added on? That’s completely for you to decide as a driver. If you think that you have enough coverage or don’t do much driving, you may want to avoid it altogether. However, when it comes to insurance, it’s always better to be overinsured than underinsured.
Finding the Top Auto Insurance Companies in Delaware
In order to find the best companies for your auto insurance policy in DE, you will have to do some research. The best policy isn’t just going to grow legs, arms, and walk to your door, knock, and scream “buy me, I’m the best!” However, if you are a smart consumer, you know that there are ways to weed out the crappy insurance companies so that you are left choosing from the crème of the crop. Probably the easiest way to do your research is to look online at reviews and consumer reports of various insurers that you are considering. When checking out each company, look for some of the following in an insurer:
- Customer support/relations
- Flexible payment options
- Positive consumer reviews/reports
- Favorable contract options
- An efficient claims process
Get a Free Delaware Car Insurance Quotes Comparison Online
If you aren’t quite sure where to start when researching various policies on the internet, take the time to check the top of the page and enter your zip code into our free quote generator. It will give feedback about all of the top auto insurance companies specifically tailored to fit your location in Delaware. The nice thing about getting quotes here is that it’s super fast, easy, and you only get the best rated insurers on the market. So what are you waiting for, go get some quotes from multiple companies to see who is really offering the best rates!