Who Has Cheap Car Insurance Quotes for Drivers with a DUI in Delaware?

When writing about auto insurance, the word “cheap” should never appear as a descriptor for car insurance rates. It’s a simple fact that cheap car insurance for drivers with a DUI is not always easy to find. We’ll try to make it up to you, because we will teach you how you can get insurance that doesn’t cost an arm and a leg.

When shopping for auto insurance after getting a DUI, one of the many criteria that is looked at to determine auto insurance rates is where you live in Delaware. Areas with more people or even just a higher incidence of claims like Wilmington, Wilmington Manor, and Edgemoor tend to have higher rates, whereas less populated areas have the benefit of cheaper auto insurance prices.

The illustration below rates the most expensive cities in Delaware for drivers with a DUI to buy auto insurance in.

Premium costs are comparative as specific location information can decrease or increase prices noticeably.

The make and model of vehicle needing coverage is one of the largest factors when trying to find cheap auto insurance for drivers with a DUI in Delaware. Vehicles with limited top-end speed, a plethora of safety features, or a positive history of liability claims will cost less to insure than fast, unsafe models.

The next table outlines car insurance rates for a number of the most economical vehicles to insure in Delaware.

Premium data assumes married female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific zip code location which can increase or decrease insurance rates noticeably.

Looking at the numbers, cars like the Chevrolet Traverse, Hyundai Elantra, Subaru Forester, and Honda CR-V will definitely be some of the most budget-friendly vehicles to insure after getting a DUI. The cost of a car insurance policy will trend higher because there is a higher risk for drivers with a DUI, but in general those particular vehicles will have the cheapest car insurance rates compared to other types of vehicles.

Discount Delaware auto insurance

Car insurance companies that offer cheap auto insurance for drivers with a DUI in Delaware may also provide policy discounts that could reduce prices by as much as 25% or more if you meet specific criteria. Companies and some of the premium reductions they offer can be found below.

The example below compares insurance premiums with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no accidents and three traffic tickets, Delaware state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, paperless filing, vehicle safety, passive restraint, paid-in-full, and multiple policy discounts applied. With discounts applied, the the average yearly reduction on insurance for drivers with a DUI is 37% or $419.

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Do you need full coverage?

Finding cheap auto insurance for drivers with a DUI in Delaware is important to the majority of drivers, and one easy way to find cheaper insurance is to not buy full coverage. The illustration below shows the difference between premium costs with and without physical damage coverage. The price estimates are based on no violations or claims, $250 deductibles, marital status is single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4959,1619],[‘Age 30’, 2569,885],[‘Age 40’, 2539,819],[‘Age 50’, 2309,767],[‘Age 60’, 2237,755],[‘Age 70’, 2723,1011]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Delaware’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged for all ages, physical damage coverage on your policy costs an extra $2,889 per year over and above liability coverage. That raises the question if full coverage is worth the money. There isn’t a written rule to drop full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s assume your vehicle’s replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If premiums are more than $300 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not a good plan. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

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

If you’re looking for the cheapest auto insurance, four of the larger companies to compare rates for are Geico, Progressive, State Farm, and Allstate. When added together, they make up 48.5% of all car insurance policies in America. The data below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages you can buy with each company.