Best Cheap Auto Insurance Quotes for Veterans in Delaware

Our content editors always give us grief that when writing about car insurance, the word affordable should never appear anywhere to describe car insurance rates. It’s a simple fact that cheap car insurance for veterans just does not exist. But don’t despair, because we are going to show you how you can get auto insurance that won’t break your budget.

Deciphering which company quotes the cheapest insurance rates for veterans calls for a little more work than just getting one or two price quotes.

Every car insurance company has a proprietary formula to determine rates, so we’ll go over the insurance companies that tend to be cheaper in Delaware.

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USAA generally has some of the best car insurance rates in Delaware at around $874 per year. Travelers, Atlantic States, Nationwide, and Titan also qualify as some of the cheaper Delaware car insurance companies.

As illustrated above, if you are insured with Atlantic States and switched to USAA, you could realize an annual savings of in the neighborhood of $405. Customers with Nationwide could save as much as $418 a year, and Titan policyholders might lower prices by up to $470 a year.

Understand that those prices are averages for all insureds and vehicles and and are not figured with a price decrease for veterans. So the auto insurance company that fits your needs best may not even be in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

For Delaware drivers, one of the components that car insurance companies take into consideration when calculating the amount you pay each year for auto insurance is where you keep your vehicle. Areas with more people or even just a higher incidence of claims like Wilmington, Wilmington Manor, and Edgemoor tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.

The information below ranks the most expensive areas in Delaware for veterans to purchase auto insurance in.

Prices are estimated as zip code location can impact prices significantly.

The car, truck, or SUV you are seeking coverage for is a large consideration when comparing cheaper insurance for veterans. Vehicles with average performance, advanced safety features, or a track record of few liability claims will cost substantially less to insure than high performance models. The list below outlines coverage prices for the most budget-friendly vehicles to buy coverage for.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in garaging location in Delaware which can decrease or increase coverage rates significantly.

Based upon the rates shown, you can conclude that makes and models like the Honda Accord, Ford Escape, Subaru Forester, and Chevrolet Traverse should be a few of the cheapest vehicles to insure for veterans.

Discount Delaware car insurance rates

Auto insurance companies that offer the best cheap car insurance for veterans in Delaware may have price discounts that could lower prices by 25% or more if you meet specific criteria. Large insurance companies and their possible discounts are outlined below.

• State Farm may include discounts for driver’s education, Steer Clear safe driver discount, accident-free, anti-theft, defensive driving training, and multiple policy.
• Progressive offers discounts including good student, online signing, continuous coverage, homeowner, multi-policy, online quote discount, and multi-vehicle.
• Travelers includes discounts for good student, multi-policy, continuous insurance, hybrid/electric vehicle, student away at school, and driver training.
• American Family has savings for TimeAway discount, air bags, good student, good driver, bundled insurance, early bird, and multi-vehicle.
• Liberty Mutual offers premium reductions for newly retired, newly married, new vehicle discount, exclusive group savings, new move discount, and teen driver discount.

The illustration below visualizes the comparison of auto insurance rates with and without policy discounts. The rates are based on a male driver, no claims or driving citations, Delaware state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, safe-driver, homeowner, defensive driving course, vehicle safety, and marriage discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for veterans is 28% or $513.

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

When comparing auto insurance for veterans, four of the larger companies to compare rates for are Allstate, Progressive, State Farm, and Geico. Between them, they make up over 48% of all policies written. All of them offer liability and physical damage protection, but each on has slightly different coverages and options that shoppers can select from. The table below illustrates pricing and service ratings, as well as optional policy coverages that are available.

Who has the cheapest insurance quotes for veterans?

There are many ways to find lower-cost insurance in Delaware, but the most frequently used ways are using a captive (or exclusive) agency like Liberty Mutual or Allstate, an independent insurance agent, or direct either online or via phone.

Each way has the same basic steps, but it’s important to point out the distinctions in how they price policies.

Independent agents have contracts with multiple insurance companies and can provide price quotes from all of them. Agents of this type are not employed by one specific company and can give you a larger rate selection, which can give you the best chance of saving money. If cheaper coverage is found, the business is moved internally and you don’t have to do anything.

An agent who is captive is usually restricted to one company, two of the more popular are a Liberty Mutual or State Farm agent. Exclusive agents generally are unable to place coverage with different providers, so if finding the cheapest coverage is your goal, you will need to shop around.

The third popular method of shopping for insurance is direct, which means you skip a local insurance agent and instead buy buying direct from a company like Geico or Progressive. This insurance option may be good for drivers who do not need high amounts of coverage and have a decent understanding of what coverage limits and deductibles they need.

So which of the methods works best for finding the best cheap car insurance for veterans in Delaware? Most drivers assume that shopping direct saves the most money since there isn’t an agent involved, but unfortunately, that is not the case. We could also assume that an independent agency guarantees the cheapest rates since they can quote with many companies, but that idea is not necessarily true either. In many circumstances, exclusive agencies have very competitive rates that are the lowest in Delaware.

Since insurance rates vary so much, the best method to get rock-bottom rates is to obtain price quotes and compare them. In a perfect world, youll get price quotes from all three to give yourself the best selection. For a list of companies with cheap rates in Delaware, click here to view.

Find the best cheap car insurance for veterans in Delaware

Lowering your rates is not difficult, and here are many money-saving solutions that can help Delaware drivers locate cheap auto insurance.

• Save money by obeying traffic laws and keeping a clean driving record
• Try paying for small claims out-of-pocket
• Full coverage may not be needed on older vehicles
• Safer vehicles cost less to insure
• Save money by bundling your home and auto policies
• Do not get into accidents that are your fault
• Compare rates regularly and switch companies to save money

That last tip is especially crucial, as we emphasized in the prior information. Insurance prices adjust often, so don’t be afraid to switch companies if a more affordable rate is found.

Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty results in overpaying potentially thousands of dollars a year. Take a few minutes and compare prices to find cheaper car insurance for veterans.