Cheap Car Insurance Quotes for Good Drivers in Delaware

The words “bargain” and “insurance” probably shouldn’t be used together, in particular when you are looking for the lowest insurance prices for good drivers. Because it’s so expensive, let’s take a look at some of the factors the can have a considerable influence on car insurance rates, and find some ways to take the bite out of the next policy you buy.

The cost and performance of the vehicle you are trying to insure is one of the biggest factors when quoting cheap auto insurance for good drivers in Delaware. Vehicles with limited speed and performance, a great safety record, or a track record of few liability claims will cost less to insure than higher performance models.

The lists below illustrates insurance costs for the cheapest vehicles to insure.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can influence auto insurance rates greatly.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can impact premiums noticeably.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can lower or raise rates noticeably.

Deciding which company offers the cheapest insurance rates for good drivers will involve a tad more effort in order to find the best policy.

Every insurance provider has their own formula for filing rates in each state, so we will examine the overall cheapest insurance companies in Delaware. It’s important to know that Delaware insurance rates are based on many factors which can substantially change your annual premium. Turning one year older, moving across town, or having an at-fault accident can produce rate changes resulting in some companies being affordable when they were higher priced.

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USAA may have some of the cheapest car insurance rates in Delaware at around $866 annually. Travelers, Nationwide, Atlantic States, and California Casualty also qualify as some of the cheapest Delaware car insurance companies.

As the rates illustrate above, if you buy coverage from Atlantic States and switched to USAA, you could realize annual savings of roughly $413. Delaware drivers with California Casualty could save as much as $427 a year, and Titan policyholders might lower prices by up to $519 a year.

Remember that these policy rates are averages for all ages of drivers and types of vehicles and do not factor in a price discount for good drivers. So the insurer that fits you best may not even be featured in the list above. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

For safe drivers, one of the largest components that affect the cost of insurance is your zip code. Densely populated urban areas like Wilmington, New Castle, and Edgemoor tend to have higher auto insurance costs, whereas more rural areas tend to receive slightly lower rates.

The table below ranks the highest-priced areas in Delaware for good drivers in which to purchase auto insurance.

Rate quotes are approximated as the garaging address in Delaware can modify coverage rates greatly.

Discounts on Delaware car insurance rates

Insurance companies that provide cheap auto insurance for good drivers in Delaware may also provide rate discounts that could reduce prices by as much as 30% if you qualify for them. Larger insurance companies and a summarized list of policyholder discounts are included below.

The diagram below shows the difference between insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no driving violations, no at-fault accidents, Delaware state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, vehicle safety, marriage, passive restraint, anti-theft, and claim-free discounts applied. With discounts applied, the the amount saved on insurance for good drivers is % or $.

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Allstate, Geico, State Farm, and Progressive: Who is cheapest?

When researching auto insurance for safe drivers in Delaware, the four most popular companies are Allstate, Geico, State Farm, and Progressive. The following table rates some of the different features offered by each company.