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Best Car Insurance Companies in Delaware

Here's what you need to know...
The state of Delaware requires all vehicles that are owned and operated on streets and highways within the state to be covered by a minimum level of liability car insurance.

For a consumer, shopping for quality, affordable car insurance can seem like a daunting task.

All car insurance policies are not created equal, and auto insurance premiums car vary widely from one insurance provider to the next.

The consumer is responsible for conducting a price comparison analysis when shopping for auto insurance to ensure that the best possible premium consistent with quality coverage can be obtained.

Try it for yourself today with our FREE car insurance comparison search!

Benefits of Price Comparison Shopping

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For families and individuals who are on a restricted budget and are interested in obtaining the best car insurance for the most reasonable price, the cost of the coverage the most important consideration in the shopping process.

Car insurance companies are sensitive to this fact.

Most major auto insurance providers offer a free service that provides a rate quote to consumers who are shopping for car insurance.

The benefits of a car insurance comparison include:

  1. Improved odds of paying a low premium for coverage
  2. Discovery of free or low-cost incentives offered by insurance companies
  3. Ability to use competing companies’ rate quotes as leverage during price negotiations

How to Compare Car Insurance Quotes

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The advent of the internet has made it possible for major auto insurance providers such as Nationwide, USAA, Geico and Progressive Direct to provide an online quote in a matter of minutes.

When shopping for car insurance online, the process of rate quote comparison shopping typically requires consumers to select specific details that they desire to have as part of their total auto insurance package.

Generally, the types of coverage offered by auto insurance companies include:

  • Comprehensive coverage
  • Liability coverage
  • Collision coverage
  • Personal injury protection coverage

Depending upon the level of coverage that the consumer desires, a rate quote is generated using data that is provided by the car insurance company’s website.

According to the Delaware Insurance Department, a driver must carry the following minimum liability coverage before registering or operating any vehicle in the state:

  • $10, 000 for property damage
  • $15, 000 for personal injury or death for one person
  • $30, 000 for personal injury or death for more than one person

Once the minimum state car insurance requirements and personal desires are calculated by the auto insurance quote software, a monthly rate quote is provided to the consumer.

Generally, the online quote is valid and will be honored within a specified period of time after the quote is generated.

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Why get more than one quote?

Obtaining more than one rate quote allows the consumer to conduct a price comparison analysis between auto insurance companies.

Having several valid car insurance rate quotes gives the consumer leverage in price negotiations between Delaware car insurance providers.

Because the auto insurance industry is so fiercely competitive, many major car insurance companies provide extra features to attract customers that their competitors may not offer.

For example, an auto insurance company may offer free roadside assistance to customers who meet certain criteria or commit to a certain level of coverage.

Sometimes these added features are not advertised, and consumers may only learn of these special incentives when conducting price comparison shopping for car insurance.

Some other bonus features that may be offered by auto insurance companies may include:

  • Reduced deductibles
  • Accident forgiveness
  • Cash rewards for good driving

Obtaining several auto insurance quotes through multiple car insurance providers allows the consumer to determine the cost effectiveness of the rate quote in association with the level of coverage.

In addition to a negotiation tool, consumers can determine which car insurance companies fit their personal needs and budgetary restrictions.

Delaware Auto Insurance Companies

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According to the Delaware Department of Insurance, car insurance companies that offer car insurance products and services in Delaware include:

  • Nationwide Mutual – Nationwide is an insurance provider that offers various types of insurance products to Delaware residents. Drivers who insure vehicles with air bags, have multiple policies with the company and insure students with good grades may qualify for discounts.
  • Geico – Geico offers affordable car insurance coverage to residents of Delaware and offers car insurance discounts to qualified drivers who have a good driving record, insure more than one vehicle on the policy and have completed driver education courses.
  • USAA – USAA provides car insurance coverage to active military members, veterans, and their families. Among the discounts offered by USAA are discounts for airbags, low annual mileage driven and multiple vehicles insured on the policy.
  • Progressive Direct – Known for its service of providing quote estimates of competing auto insurance companies, Progressive Direct offers qualifying Delaware residents discounts for good claims history, good driving record and multiple vehicle coverages with the company.

Consumers who desire to find the cheapest car insurance while maintaining the peace of mind that accompanies quality insurance coverage would be wise to conduct a thorough price comparison analysis when shopping for their auto insurance.

The utilization of rate quotes during the shopping process can ensure that the best possible price is obtained and the highest quality coverage is established.

Make sure you’re getting the best deal on quality coverage with our FREE ZIP code search below!

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