Cheapest Auto Insurance Quotes for Government Employees in Delaware

You have surely seen all the captivating commercials from companies like The General, Progressive, and Farmers guaranteeing big savings. So you just need to pick one at random, right?

It’s just not that simple, as there are many unknown elements such as whether you have good or poor credit, if you are a renter or homeowner, and how you use your vehicle, that all go into determining the rate you pay. The content below covers the types of situations that result in high rates and will hopefully give the reader a good start in finding the cheapest insurance in Delaware.

The vehicle requiring coverage is probably the largest consideration that determines whether or not you can buy the cheapest auto insurance for government employees in Delaware. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost less to insure than higher performance models. The next list ranks insurance premiums for the most affordable vehicles to insure in Delaware.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can alter premiums considerably.

Looking at the data, makes and models like the Ford Escape, Honda CR-V, Jeep Wrangler, Kia Forte, and Hyundai Elantra are most likely to be a few of the most affordable vehicles to insure for state and federal workers.

For Delaware drivers, one of the components that aid in calculating the policy price is where you live in Delaware. Areas with more people or more claims like Wilmington, Brookside, and Edgemoor will most likely pay more, whereas areas with less congestion tend to receive slightly lower rates.

The illustration below sorts the more expensive cities in Delaware for government employees to buy an auto insurance policy in.

Annual rates are estimated as specific Delaware garaging address can increase or decrease rates greatly.

Locating low-cost car insurance is not the easiest thing to do, and finding out which insurers offer the lowest-priced car insurance rates for government employees will require even more perseverance. Every insurance provider uses a different method to set their prices, so let’s begin by examining the car insurance companies with the most affordable rates in Delaware.

Keep in mind that Delaware car insurance rates are influenced by many factors that can increase the policy price. Simply turning a year older, buying higher coverage limits, or getting a ticket for running a stop sign can trigger price changes resulting in some companies being cheaper than before.

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USAA may have some of the best car insurance rates in Delaware at around $848 a year. Travelers, Nationwide, Atlantic States, and Titan are also some of the more affordable Delaware auto insurance companies.

As the rates illustrate above, if you are currently insured with Titan and switched to Travelers, you might see a yearly price reduction of in the neighborhood of $247. Drivers with California Casualty might save as much as $248 a year, and GEICO policyholders might see rate reductions of $404 a year.

To compare your rates to other Delaware insurance companies, click here to start your custom quote or quote prices from the following companies.

These premiums are averaged across all drivers and vehicles and do not factor in a price discount for government employees. So the insurer that has the lowest price for you may not even be included in the company chart above. That’s why you need to compare as many prices as possible using your own personal information and vehicle type.

The diagram below highlights how deductible choice can affect annual premium costs when researching cheap insurance for government employees. The information is based on a married female driver, full physical damage coverage, and no discounts are factored in.

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The chart above illustrates that a 40-year-old driver could lower rates by $374 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $562 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, have the ability to save up to $924 or even more by selecting a higher deductible.

When choosing a higher deductible, it is important to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense associated with higher deductibles.

Should you buy full coverage?

Finding the cheapest auto insurance for government employees in Delaware is the goal of most vehicle owners, and one common way to pay lower rates for insurance is to not buy comprehensive and collision coverage. The example below compares premium costs with full coverage and liability only. The data is based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied.

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Averaged out for all age groups, comprehensive and collision coverage on your policy costs an additional $2,126 per year more than just buying liability only. Many drivers may wonder when is the right time to remove full coverage. There is no written rule that works best for making the decision to drop comp and collision coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after you pay the deductible. If you are paying over $400 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Cheap insurance quotes for state and federal workers

Thanks to technology, drivers have a lot of ways to compare car insurance quotes in Delaware, but the three most common ways are using an independent agent, an exlusive agent such as Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico.

You can use whichever you prefer, but car insurance shoppers should know the differences in how they work.

Independent agents have contracts with many companies and can do rate comparisons with all of them. Agents of this type can quote with many companies and quote rates with many companies, which can give you the best chance of finding a lower price. If cheaper coverage is found, your agent can switch companies and the insured can keep the same agent.

A captive, or exclusive, agent is only able to give rates for a single insurance company, two examples being an Allstate or Liberty Mutual agent. They are unable to give you multiple price quotes, which does not give you the best rate comparison.

The final way is buying direct, which means you skip an exlusive or independent agent and instead buy from a direct company like Progressive or Geico. Buying car insurance direct may be the best choice families who do not have a complex risk profile and have an above average understanding of the limitations of car insurance.

So out of those three methods, which one works best to find the cheapest auto insurance for government employees in Delaware? Most people would assume that buying from a direct company yields the cheapest rates because there are no middleman commissions, but in reality, that argument does not hold true. We could also assume that buying car insurance from an independent agent is the best way to save due to more options, but that is not necessarily true either. In many circumstances, exclusive agents have extremely competitive rates that are well below what direct and independents offer.

Since car insurance prices vary so much, the best way to not overpay for car insurance is to compare, compare, and compare some more. Industry experts recommend getting price quotes all three ways to have the best selection of rates to choose from. For a list of companies with some of the cheapest Delaware car insurance rates, click here to view.

How to find low-cost auto insurance for government employees

It is possible to find better rates, and here are some of the better thrifty solutions that can help drivers quote lower-cost coverage.

• Higher physical damage deductibles lower rates
• Drive attentively and avoid accidents
• Older vehicles may not need full coverage
• Good credit scores may lower your rates
• Do not get traffic tickets
• Vehicles with safetly features generally cost less to insure
• Shop around for cheaper rates regularly

That last idea is very valuable, as we stressed in this write-up. Prices charged by auto insurers adjust often, so drivers shouldn’t be resistant to switch companies if a cheaper rate is available. Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty ends up costing a considerable chunk of change every month. If you have a few minutes, compare rates to find cheaper auto insurance for government employees.