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You may have to do some searching, but you can find cheap auto insurance in Delaware. The best place to start is at home. Understanding the insurance requirements in Delaware and the types of discounts available will give you ideas on what types of insurance you need and what discounts to ask for. Here are some ideas to help get you started on your search.
The first step to finding a better DE auto insurance rate is understanding your required coverage. In Delaware, you are required to carry liability insurance that provides up to $15,000 for injuries or death to any one person, $30,000 for total injury or death per collision, and $10,000 for property damage. Delaware uses a Tort system which means that the person at fault is charged with the accident and their insurance pays the damages for all parties involved. Delaware also requires PIP (personal injury protection) coverage of $15,000 for one person and $30,000 for all persons involved in an accident. This benefit is paid above the Tort benefits received from the other insurance company if the other driver was at fault.
While strict penalties are in place for uninsured drivers, there are still some on the road. Delaware law does not require uninsured driver insurance, but it does offer valuable protection.
Now, how do you save on your Delaware auto insurance coverage? Once you understand what you need, you need to figure out what discounts you qualify for.
Good Grades Discount - Students that maintain a 3.0 GPA or better are eligible for discounts with some companies.
Defensive Driver - Those who take courses on defensive driving are eligible for discounts from some companies.
Safety Devices - Vehicles that have certain safety devices installed are often eligible for discounts with some companies.
Be sure that you compare Delaware auto insurance quotes from at least 5 different companies in order to find the best rate.
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