Cheap Car Insurance for Inexperienced Drivers in Delaware

This would be a really short article if we could simply tell you the single company that has the most affordable coverage in Delaware. It’s not that easy, however, as there are many unknowns like if you are married, the number of years you have been licensed, and your financial stability, that all impact the price you pay. This article covers the best ways to save on auto insurance and will hopefully give you a jump start in finding the best auto insurance.

One of the more important criteria that car insurance companies use when figuring rate quotes is where you choose to live in Delaware. Areas with high crime rates or more dense population like Wilmington, Brookside, and Edgemoor tend to pay more, whereas areas with less congestion generally pay less for car insurance.

The next table lists the highest-priced areas in Delaware for inexperienced drivers to purchase car insurance in.

Prices are approximated as the vehicle garaging location can change auto insurance rates greatly.

Finding good, budget insurance is not most people’s favorite thing to do, and finding out which company has the cheapest car insurance rates for inexperienced drivers will take a bit more work. Every insurance provider uses a little different formula to set policy rates, so we need to take a look at the car insurance companies with the most affordable rates in Delaware.

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USAA has some of the best car insurance rates in Delaware at around $866 a year. Travelers, Nationwide, Atlantic States, and California Casualty also qualify as some of the lowest-priced Delaware insurance companies.

In this example, if you currently have coverage with Nationwide and switched to USAA, you may realize an annual savings of in the neighborhood of $414. Policyholders with Atlantic States may save as much as $465 a year, and California Casualty policyholders might lower prices by $466 a year.

To find cheap car insurance for inexperienced drivers in Delaware, click here to start your free quote or visit several of the following companies.

These estimates are averaged across all insureds and vehicles and do not take into consideration a price decrease for inexperienced drivers. So the auto insurance company that has the lowest price for you may not even be included in the list of companies shown earlier. That illustrates why you need to get rate quotes from many companies using your own individual information.

How accidents and tickets impact rates

The obvious way to earn cheap car insurance for inexperienced drivers in Delaware is to pay attention while driving and not have accidents or get tickets. The illustration below illustrates how traffic citations and at-fault fender-benders drive up insurance premiums for each age group. The data is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1869,2405,2951],[‘Age 30’, 1287,1823,2367],[‘Age 40’, 1281,1819,2365],[‘Age 50’, 1131,1673,2217],[‘Age 60’, 1075,1615,2159],[‘Age 70’, 1167,1705,2253]]);var options = {title: ‘Accidents, Violations, and Delaware Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,302. Add in two speeding tickets and the average cost rises to $1,840, an increase of $538 each year. Then include one accident along with the two speeding tickets and the annual cost of car insurance for inexperienced drivers jumps again to an average of $2,385. That’s an increase of $1,084, or $90 per month, just for not being more responsible behind the wheel!

Discounts on cheap car insurance for inexperienced drivers in Delaware

Insurers that provide policies for inexperienced drivers could also offer policy discounts that could potentially reduce rates by as much as 25% or more if you are eligible to receive them. Larger car insurance companies and a selection of discounts are shown below.

The illustration below visualizes the comparison of insurance premiums with and without discounts applied. The price estimates are based on a male driver, no claims or driving violations, Delaware state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, safe-driver, vehicle safety, marriage, defensive driving course, and accident-free discounts applied. When these discounts are applied, the average amount saved each year on car insurance for inexperienced drivers is 42% or $781.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4025,2899],[‘Age 30’, 2095,1525],[‘Age 40’, 2071,1503],[‘Age 50’, 1883,1369],[‘Age 60’, 1819,1319],[‘Age 70’, 2203,1585]]);var options = {title: ‘Effect of Discounts on Insurance Price for Inexperienced Drivers’,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’,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(‘qcibdisc’));chart.draw(data, options);}

Is the best company Allstate, Progressive, Geico, or State Farm?

When researching auto insurance for new drivers in Delaware, four companies you’ll want quotes from are Allstate, Progressive, Geico, and State Farm. When added together, they make up almost half of the car insurance market in the United States. The next table points out some of the different options and features .