Who Has Cheap Auto Insurance Quotes for Handicapped Drivers in Delaware?

The words “affordable” and “insurance” really should not be used together, specifically when searching for the best price on coverage for handicapped drivers. Let’s familiarize you with a few of the factors that influence auto insurance premiums, and come up with some ways to slash the price of your next policy.

Deciphering which companies quote the lowest-priced auto insurance rates for handicapped drivers will require a bit more effort than just comparing rates from one or two companies. Every car insurance company has their own guidelines to set their prices, so we’ll go over the auto insurance companies with the overall cheapest rates in Delaware.

Lowest Insurance Price Quotes in Delaware

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USAA generally has some of the best car insurance rates in Delaware at around $874 each year. Travelers, Nationwide, Atlantic States, and California Casualty are also some of the cheaper Delaware auto insurance companies.

As depicted above, if you are currently insured with Atlantic States and switched to Travelers, you could see yearly savings of in the vicinity of $240. Drivers with California Casualty may save as much as $241 a year, and Titan policyholders might see rate reductions of $333 a year.

Bear in mind that those estimates are averages across all types of insureds and vehicles and and are not calculated with a rate decrease for handicapped drivers. So the insurer that fits you best may not even be shown in the list above. That underscores the importance of why you need to get quotes using your own specific driver and vehicle information.

The make and model of vehicle that is being insured is one of the largest considerations in finding the lowest-priced auto insurance for handicapped drivers. Vehicles with average performance, good crash test ratings, or low incidents of liability claims will cost much less to insure than fast, unsafe models. The table below features car insurance prices for some of the most affordable automobiles to buy insurance for.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can impact coverage rates considerably.

Based upon these rates, we can conclude that models like the Toyota Highlander, Toyota Tacoma, Toyota Prius, and Honda CR-V will be the cheaper vehicles to insure for drivers with handicaps.

One of the key things that establish car insurance rates is your address. Cities with larger populations like Wilmington, Wilmington Manor, and Middletown tend to pay higher rates, whereas areas that are not as densely populated generally have lower rates.

The information below sorts the higher priced cities in Delaware for handicapped drivers to purchase a policy in.

Premium costs are approximated as the specific geographic location can decrease or increase insurance rates greatly.

The information below demonstrates how choosing different deductibles can raise or lower insurance costs when searching for cheap insurance for handicapped drivers. The costs are based on a single female driver, full coverage, and no discounts are applied.

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As shown above, a 30-year-old driver could lower rates by $368 a year by changing from a $100 deductible to a $500 deductible, or save $556 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could potentially save as much as $814 every year just by choosing larger deductibles.

If you do raise deductibles, it is important to have enough spare savings to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.