Cheapest Auto Insurance for Police Officers in Delaware

For law enforcement personnel, one of the largest factors that car insurance companies use to determine the amount you pay for auto insurance is where you keep your vehicle in Delaware. Areas with more people or higher crime rates like Wilmington, New Castle, and Edgemoor tend to have more expensive auto insurance rates, whereas areas with less congestion receive better rates.

The table below displays the most expensive places in Delaware for police officers in which to buy car insurance.

Information shown are estimated as specific location information can decrease or increase rates greatly.

Establishing which companies have the most affordable insurance rates for police officers requires more work in order to find the lowest price. Each auto insurer has their own unique process for filing rates in each state, so let’s take a look at the insurance companies that tend to be cheaper in Delaware.

It’s a good idea to know that Delaware insurance rates are impacted by many factors that may substantially change your annual premium. Simply getting older, buying another vehicle, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being cheaper than competitors.

Best Cheap Insurance Rates for Law Enforcement

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USAA normally has some of the most affordable car insurance rates in Delaware at around $874 a year. Travelers, Nationwide, Atlantic States, and Titan also make the cut as some of the most economical Delaware auto insurance companies.

As shown above, if you are a policyholder with Nationwide and switched to USAA, you might achieve annual savings of around $368. Drivers with Atlantic States might save as much as $457 a year, and Titan policyholders might reduce rates by $457 a year.

These rates are averages for all drivers and vehicles and are not factoring in a rate decrease for police officers. So the auto insurance company that is most affordable for your situation may not even be featured in the company chart above. That affirms the importance of why you need to get rate quotes using your own driver data and vehicle information.

How accidents and violations affect rates in Delaware

The common sense way to get the cheapest car insurance for police officers in Delaware is to be a good driver and not receive tickets or have accidents. The diagram below shows how speeding tickets and at-fault collisions drive up yearly insurance costs for different ages of insureds. The rate quotes are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.

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 Two Accidents’],[‘Age 20’, 3973,4735,7431],[‘Age 30’, 2067,2825,5519],[‘Age 40’, 2045,2807,5503],[‘Age 50’, 1859,2617,5315],[‘Age 60’, 1795,2557,5249],[‘Age 70’, 2177,2937,5631]]);var options = {title: ‘Effect of Tickets and Accidents on Delaware Car Insurance Prices’,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 charted above shows the average cost of auto insurance in Delaware per year with no violations or accidents is $2,319. Get two speeding tickets and the average cost rises to $3,080, an increase of $760 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of insurance for police officers jumps again to an average of $5,775. That’s an increase of $3,455, or $288 per month, just for being a little careless behind the wheel!

Geico vs Allstate vs Progressive vs State Farm

If you want the best car insurance for law enforcement personnel, probably the best companies to start with are Geico, Allstate, Progressive, and State Farm. All offer your standard physical damage and liability coverages, but each one has a little bit different set of discounts and options that add value to each policy. The table below breaks down price and claims rank as well as some different options that are available for buyers.

Cheap insurance quotes for law enforcement personnel

Drivers have a lot of ways to comparison shop for insurance in Delaware, but the most popular are from a non-exclusive or independent agent, an exlusive agent like State Farm or Allstate, or direct online or over the phone from a company like Progressive or Geico. You can use whichever method you prefer, but buyers should know the differences in how they function.

Independent agencies are appointed by several companies and can compare rates with all of them. Independent agents are not required to write business for one company and can give you more rate choices, which can give you the best shot at cutting your rates. If a cheaper price is found, it’s simple to move the policy and you can remain with the same agent.

An exlusive, or captive, agency is only able to quote your policy with a single insurance company such as a Farmers or Allstate agent. These agents are unable to quote rates from more than one company, so if their prices are high, they cannot shop around.

If you buy direct, you do not use an exlusive or independent agent and instead buy from a direct company like Progressive. Shopping direct may be the best choice consumers who do not need high amounts of coverage and have a good understanding of what insurance covers.

So which of the methods works best to find the cheapest car insurance for police officers in Delaware? It would be premature to say buying direct results in the cheapest rates since there is no need to pay agent commissions, but unfortunately, that is not the case. It would also be easy to say buying from an independent agent is the best way to save because you have more choices, but that assumption is also not necessarily accurate. In the right set of circumstances, exclusive agencies have really good rates that are the cheapest in Delaware.

Since insurance prices are based on many different factors, the guaranteed way to make sure you’re not overpaying for insurance is to get quotes and compare. We highly recommend getting prices from all three types in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

Find the cheapest car insurance for police officers in Delaware

The list below details a few penny-pinching solutions that can help drivers locate more affordable coverage.

• Violations and traffic tickets increase rates
• Buy a vehicle with excellent safety ratings
• Buying home and auto insurance together can earn discounts
• Having too many claims will increase rates substantially
• Maintain a safe distance and avoid accidents
• Compare rate quotes often

The last tip in the list is extremely vital, as was pointed out in this article. Prices charged by auto insurers change a lot, so don’t be afraid to buy from a new company if a lower-cost policy is available.

Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that faithfulness ends up costing you a small fortune year after year. It only takes a couple minutes to compare rates and find cheaper insurance for police officers.