Who Has Cheap Auto Insurance Quotes for Seniors in Delaware?

It’s hard to miss the catchy advertisements from car insurance companies like Progressive, Farmers, and Liberty Mutual claiming big savings, so you should just choose the one with the most memorable commercial, right?

Unfortunately, it’s not that simple as there are a whole slew of unknown aspects like your credit score, if you are a woman or a man, and if you have a tendency to get into accidents. We are going to cover the things that cause high insurance rates and will hopefully give you a good beginning to your search for cheaper coverage.

One of the more important components that help determine the price you pay for insurance is the neighborhood you call home in Delaware. Areas with more people or even just a higher incidence of claims like Wilmington, Edgemoor, and New Castle will most likely pay more, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The illustration below shows the highest-priced places in Delaware for seniors to buy an auto insurance policy in.

Information shown are estimated as the specific Delaware residence address can influence price quotes substantially.

Shopping around for reasonably-priced car insurance is not most people’s favorite thing to do, and determining which company quotes the cheapest car insurance rates for seniors will require even more perseverance. Coverage prices will probably be slightly lower than the average price in Delaware attributed to the posibility of fewer claims related to selling coverage for senior citizens. Competitively-priced coverage should be obtainable from a lot of good insurance companies.
Each insurer has a proprietary formula for establishing rates, so let’s take a look at the overall cheapest car insurance companies in Delaware.

It’s important to understand that Delaware car insurance rates are impacted by many factors that can increase the cost of coverage. Improving your credit score, buying a different vehicle, or getting into an accident may cause policy rate changes that can now make some companies much higher than others.

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USAA may offer some of the best car insurance rates in Delaware at around $840 a year. Travelers, Nationwide, Atlantic States, and California Casualty would also be considered some of the most economical Delaware insurance companies.

In this example, if you currently buy coverage from Travelers and switched to USAA, you could earn a yearly savings of in the vicinity of $254. Customers with Nationwide could save as much as $440 a year, and Atlantic States customers might see rate reductions of $452 a year.

To discover how much you can save, click here to start your free quote or visit several of the following companies.

Remember that these policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with a rate decrease for seniors. So the auto insurance company that can offer the best rates for your situation may not even be in the above list. That is why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

The information below shows how choosing a deductible can influence annual premium costs when trying to find cheap insurance for seniors. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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The chart above illustrates that a 50-year-old driver could lower their policy premium by $392 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $592 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates up to $1,316 each year by using a higher deductible. If you make the decision to raise deductibles, it will be required to have enough savings to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

How accidents and violations affect rates

The easiest way to get affordable car insurance premiums for senior citizens is to be a good driver and avoid traffic citations and accidents. The diagram below shows how speeding tickets and accident claims can drive up premium costs for each different age group. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

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In the prior example, the average cost of a car insurance policy in Delaware per year with a clean driving record and no accidents is $2,087. Add in one speeding ticket and the average cost surges to $2,353, an increase of $266 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for seniors goes up to an average of $3,094. That’s an increase of $1,006, or $84 per month, just for being a less-than-perfect driver!

How to find cheap car insurance for seniors in Delaware

Below you’ll find some of the better money-saving ideas that can help Delaware drivers find more affordable auto insurance.

• Insure your home and auto with the same company
• Don’t have frequent claims
• Drive safely
• Avoid at-fault accidents and claims
• Lower rates by purchasing a safer vehicle
• Keep rates low by comparing prices once a year

That last idea is highly important, as was emphasized in this piece. Car insurance prices fluctuate constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper rate is available. We understand brand loyalty, but it’s not a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. If you have a few minutes, compare prices and find cheaper auto insurance for seniors.