How Much are Auto Insurance Quotes for Low Credit Scores in Delaware?

The car, truck, or SUV on the policy is one of the biggest factors when comparison shopping for cheap auto insurance for low credit scores in Delaware. Vehicles with lots of speed or power, poor safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.

The list below presents car insurance rates for a selection of the cheapest vehicles to buy coverage for.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Delaware minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can revise premiums significantly.

Based upon these rates, vehicles like the Honda Accord, Honda CR-V, and Ford F-150 will be a few of the less-costly vehicles to insure for bad credit.

When shopping for cheaper insurance for bad credit, one of the many factors that is looked at to help calculate insurance cost is your zip code in Delaware. Densely populated urban areas like Wilmington, New Castle, and Middletown will most likely have higher rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The table below shows the most expensive areas in Delaware for low credit scores in which to buy car insurance.

Rates are approximated as the vehicle garaging location can affect insurance rates greatly.

Finding decent, low-cost auto insurance is tough enough, and deciding which insurers offer the cheapest car insurance rates for low credit scores may require even more work. Each insurance company has a unique approach for setting rates, so we’ll take a look at the car insurance companies that tend to be cheaper in Delaware.

It’s important that readers know that Delaware car insurance rates are influenced by many factors that can increase your annual premium. Simply having another birthday, moving across town, or having an at-fault accident may generate price changes resulting in some rates now being much cheaper than others.

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USAA generally has some of the cheapest car insurance rates in Delaware at around $848 each year. Travelers, Nationwide, Atlantic States, and Titan also qualify as some of the more affordable Delaware car insurance companies.

As the example above demonstrates, if you are currently insured with Atlantic States and switched to Travelers, you could see yearly savings of upwards of $208. Insureds with Titan may save as much as $247 a year, and California Casualty policyholders might reduce prices by as much as $248 a year.

To see how much you can save, click here to start your free quote or visit any of the low-priced companies below.

Understand that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a rate decrease for low credit scores. So the insurer that fits your age and vehicle best may not even be featured in the above list. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Bad driving habits will cost you more

The recommended way to score cheap auto insurance for low credit scores in Delaware is to drive safe and avoid accidents and violations. The information below illustrates how speeding tickets and at-fault fender-benders can raise insurance costs for different ages of insureds. The information is based on a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

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The data above shows the average cost of auto insurance per year with no violations or accidents is $1,607. Add in two speeding tickets and the average cost hikes up to $2,285, an increase of $678 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for low credit scores increases to an average of $4,812. That’s an increase of $3,205, or $267 per month, just for being a less-than-perfect driver!

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

When buying auto insurance for bad credit in Delaware, four good companies to start with are Progressive, Geico, State Farm, and Allstate. The following table compares pricing and service ratings, as well as optional policy coverages that policyholders can buy.