Who Has Cheap Car Insurance for Drivers with Accidents in Delaware?

The words “low-priced” and “insurance” really shouldn’t be used in the same sentence, in particular when shopping around for the lowest insurance rates for drivers with accidents. To help control this cost, let’s go over some situations that have an impact on auto insurance premiums, and find a few ways to lower the price of the next policy you buy.

Finding out which company offers the cheapest car insurance rates for drivers with accidents requires a bit more work in order to find the lowest price quote. Each auto insurer used slightly different criteria for establishing rates, so let’s examine the most competitive car insurance companies in Delaware.

Keep in mind that Delaware car insurance rates are influenced by many factors that may substantially change your annual premium. Improving your credit rating, getting married, or having an at-fault accident can trigger changes in premium resulting in some companies being much cheaper than others.

Cheapest Insurance Rates for Accident Prone Drivers

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USAA normally has some of the lowest car insurance rates in Delaware at around $840 annually. Travelers, Atlantic States, Nationwide, and California Casualty would also make the list of some of the lowest-priced Delaware car insurance companies.

As shown in the rates above, if you currently have a policy with Nationwide and switched to Travelers, you could earn savings of approxmiately $228. Policyholders with California Casualty could save as much as $241 a year, and Titan policyholders might realize rate reductions of up to $333 a year.

To discover how much you can save, click here to start a quote or visit several of the following companies.

These premiums are averaged for all ages of drivers and types of vehicles and do not take into consideration a price surcharge for drivers with accidents. So the auto insurance company that is best for you may not even be shown in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

When shopping for cheaper auto insurance for drivers with at-fault accidents, one of the many things that control the price of your policy is where your home is located in Delaware. Cities that have higher claim levels or more people like Wilmington, Brookside, and Edgemoor tend to have more expensive car insurance rates, whereas areas with less congestion have the benefit of cheap auto insurance for drivers with accidents in Delaware.

The following table illustrates the most costly cities in Delaware for drivers with accidents in which to buy car insurance.

Price information shown is comparative as the specific area where the vehicle is garaged can impact auto insurance rates considerably.

Impact of violations and accidents on rates in Delaware

The easiest way to score the best car insurance prices in Delaware for drivers with at-fault accidents is to be a careful driver and maintain a clean driving record. The illustration below shows how speeding tickets and at-fault claims can drive up insurance costs for each age group. The rates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

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In the previous chart, the average cost of auto insurance per year with no accidents or violations is $1,565. Receive two speeding tickets and the average cost surges to $2,153, an increase of $588 each year. Then include two accidents along with the two speeding tickets and the yearly cost of car insurance for drivers with accidents increases to an average of $4,506. That’s an increase of $2,942, or $245 per month, just for being a little careless behind the wheel!

Find cheap auto insurance for drivers with accidents in Delaware

The list below shows some of the recommended money-saving ideas that can help drivers buy the cheapest coverage.

• Buy your homeowners policy from the same company as your auto insurance
• Avoid price increases by not filing claims
• Raise your deductibles
• Choose a safer vehicle and pay lower rates
• Increase your credit score
• Do not insure for full coverage
• Compare rate quotes often

The final tip is incredibly important, as was pointed out in this write-up. Insurance prices can change significantly in a year, so don’t be unwilling to change insurance companies if a lower-cost policy is available. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that devotedness results in you overpaying money that could be spent on other things. It takes less than five minutes to compare prices to find cheaper car insurance for drivers with accidents.