How Much Does Car Insurance Cost for Teachers in Delaware?

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” really should not be used as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap car insurance for teachers is not always easy to find. But don’t let us ruin your dream, because we will teach you how you can find coverage that is cheaper than what you are paying now.

For teachers and educators, one of the more important criteria that is looked at to help calculate the cost of insurance is where you choose to live in Delaware. Cities with more crime and/or more people like Wilmington, Wilmington Manor, and Edgemoor are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The next table sorts the more expensive cities in Delaware for teachers to buy auto insurance in.

Rates are estimated as the specific area where the vehicle is garaged can revise prices considerably.

Buying reasonably-priced insurance is hard enough, and deciding which company offers the cheapest insurance rates for teachers requires a little more work. Insurance premiums may be slightly better than the average policy in Delaware attributed to the decrease in risk related to selling coverage for teachers and educators. Reasonably-priced coverage should be possible from many preferred companies.
Every insurance company has a proprietary method to determine premium rates, so let’s begin by taking a look at the insurance companies with the most affordable rates in Delaware.

Find the Cheapest Car Insurance for Educators

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USAA may have some of the cheapest car insurance rates in Delaware at around $874 a year. Travelers, Nationwide, Atlantic States, and Titan also make the cut as some of the cheaper Delaware car insurance companies.

As the rates illustrate above, if you are a policyholder with Nationwide and switched to USAA, you could see yearly savings of around $418. Customers with Atlantic States may save as much as $444 a year, and Titan customers might lower prices by up to $457 a year.

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

Bear in mind that those premiums are averaged for all insureds and vehicles and do not factor in a price decrease for teachers. So the insurer that is best for you may not even be featured in the company chart above. That emphasizes why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Performance level and cost of the vehicle driven is a large factor when comparison shopping for the most affordable car insurance for teachers. Vehicles with more horsepower, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than more economical and safe models.

The next lists features insurance rates for a number of the more afforable vehicles to insure in Delaware.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in garaging location in Delaware which can influence prices noticeably.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in garaging location in Delaware which can influence coverage rates noticeably.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in specific garaging location which can raise or lower premiums significantly.

Discount Delaware car insurance rates

Insurance providers that provide cheap insurance for teachers in Delaware may also give you premium discounts that could potentially reduce rates by 35% or more if you qualify for them. Popular insurance companies and their offered discounts are included below.

• 21st Century may include discounts for student driver, 55 and older, automatic seat belts, good student, homeowners, and air bags.
• Progressive may offer discounts for online quote discount, multi-vehicle, multi-policy, good student, homeowner, and continuous coverage.
• State Farm offers premium reductions for accident-free, passive restraint, multiple policy, multiple autos, driver’s education, Steer Clear safe driver discount, and anti-theft.
• Nationwide includes discounts for easy pay, anti-theft, defensive driving, good student, Farm Bureau membership, and family plan.
• Esurance offers discounts for homeowner, anti-theft, emergency road assistance, renters, good driver, and safety device.
• The Hartford offers discounts including vehicle fuel type, good student, air bag, bundle, and defensive driver.

The information below illustrates the comparison of yearly insurance costs with and without discounts. The price estimates are based on a male driver, no claims or driving citations, Delaware state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, defensive driving course, claim-free, accident-free, homeowner, and multiple vehicle discounts applied. When discounts are applied, the the amount saved on insurance for teachers is 28% or $879.

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Cheapest car insurance: Progressive, Allstate, State Farm, or Geico

If you’re looking for the best car insurance for teachers and educators in Delaware, the four most popular companies are Progressive, Allstate, State Farm, and Geico. When combined, they insure about half of the car insurance market in the United States. They all have the same basic coverages, but each one has a little bit different set of discounts and options that can influence your buying decision. The following table rates price, claims, and customer service ratings, as well as some optional coverages that are available.