Best Cheap Auto Insurance for Infrequent Drivers in Delaware

For Delaware drivers, one of the criteria that impact the annual cost of car insurance is where you live in Delaware. Cities with larger populations or higher claims like Wilmington, Edgemoor, and Brookside will most likely pay more, whereas areas with less congestion profit from lower rates.

The table below shows the most expensive places in Delaware for infrequent drivers to buy car insurance in.

Premium amounts are comparative as vehicle location can change rates greatly.

Trying to buy cheap car insurance is not always easy, and determining which company offers the cheapest insurance rates for infrequent drivers involves even more shopping around.

Every insurance company uses their own method to set their prices, so we’ll go over the insurance companies with the overall best prices in Delaware. It’s important to understand that Delaware insurance rates are calculated based on many things that will increase or decrease the price of your policy. Improving your credit score, getting divorced, or getting a reckless driving citation may prompt premium changes that may make certain companies cheaper than others.

Best Car Insurance Prices in Delaware

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USAA offers some of the lowest car insurance rates in Delaware at around $874 per year. Travelers, Nationwide, Atlantic States, and California Casualty also qualify as some of the most economical Delaware insurance companies.

As shown in the rates above, if you are a policyholder with Atlantic States and switched to USAA, you could see a yearly price reduction of approxmiately $457. Insureds with California Casualty could save as much as $471 a year, and Titan policyholders might lower prices by up to $511 a year.

These policy prices are averaged for all drivers and vehicles and do not take into consideration a price decrease for infrequent drivers. So the car insurance company that is best for you may not even be included in the above rate chart. That underscores the importance of why you need to get auto insurance quotes using your own individual information.

The vehicle driven is a large consideration when comparing quotes for low-cost coverage for infrequent drivers. Vehicles with higher performance characteristics, a lack of safety features, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.

The table below presents coverage costs for some of the cheapest vehicles to insure in Delaware.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in vehicle garaging location which can alter price quotes significantly.

Based on these rates, we can tell that vehicles like the Honda Accord, Honda CR-V, Ford Escape, and Chevrolet Traverse will be the cheaper vehicles to insure for low mileage drivers.

Discounts on Delaware auto insurance

Auto insurance companies that offer the best cheap auto insurance for infrequent drivers in Delaware may have discounts that may potentially lower prices by as much as 35% if you meet the requirements. A few popular companies and some of their more popular discounts can be read below.

• State Farm includes discounts for multiple policy, Drive Safe & Save, good driver, good student, and anti-theft.
• Nationwide may offer discounts for easy pay, multi-policy, anti-theft, Farm Bureau membership, defensive driving, accident-free, and good student.
• GEICO has savings for multi-vehicle, membership and employees, federal employee, five-year accident-free, and anti-theft.
• AAA offers premium reductions for good student, AAA membership discount, pay-in-full, multi-car, education and occupation, multi-policy, and good driver.
• 21st Century offers discounts for homeowners, early bird, 55 and older, teen driver, anti-lock brakes, defensive driver, and theft prevention.
• The Hartford policyholders can earn discounts including air bag, vehicle fuel type, bundle, anti-theft, defensive driver, driver training, and good student.

The chart below compares insurance rates with and without discounts applied to the policy premium. The costs are based on a male driver, no claims or violations, Delaware state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, claim-free, accident-free, homeowner, marriage, and safe-driver discounts applied. When taking advantage of discounts, the the average amount saved on insurance for infrequent drivers is 28% or $589.

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The information below shows how choosing a deductible can change insurance rates when getting quotes for cheap insurance for infrequent drivers. The information is based on a married male driver, full coverage, and no discounts are applied.

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A 40-year-old driver could lower rates by $380 a year by changing from a $100 deductible to a $500 deductible, or save $574 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, could drop their prices $1,284 annually by using higher deductibles when buying full coverage. When raising deductibles, it will be important to have enough spare savings to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.

How to get the best cheap auto insurance for infrequent drivers in Delaware

The list below shows some penny-pinching suggestions that can help Delaware drivers get the cheapest auto insurance.

• Be a safe driver
• Insure your home and auto with the same company
• Avoid having at-fault accidents
• Buy a vehicle with excellent safety ratings
• Avoid filing small claims
• Compare rates and switch if you can find a better deal

The final tip is remarkably crucial, as was discussed in the article above. Prices charged by car insurance companies can change considerably based on profitability, so drivers shouldn’t be reluctant to switch carriers if a cheaper price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that dedication is costing money that could be used for better things. In just a few minutes you could compare prices and find cheaper auto insurance for infrequent drivers.