Why do you need adequate Delaware car insurance coverage? Well, no one plans on getting into an accident, endangering their lives and the lives of their passengers, but the truth of motor vehicle operation is that accidents do happen.
Unless you’re prepared, with strong driving skills and robust DE auto insurance coverage, getting into an accident could spell disaster for your personal and professional life. Many states, like Delaware, require their residents to require specific levels of insurance in order to make it legal for them to drive their cars on the roads and highways.
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Understanding the DE “No-Fault” Auto Insurance Policy
Delaware is one of only a handful of states that operates under a no-fault policy for motor vehicle drivers. This means that regardless of who is found to be at fault for an accident, all drivers must seek compensation for damages from their own insurance companies. These policies are instated so that the Delaware court system is no overwhelmed with frivolous cases where people are simply suing for damages to their cars. As a result of this policy, all Delaware drivers are required to carry a minimum of personal injury protection insurance.
Minimum Delaware Car Insurance Levels
The state of Delaware also requires that all legal drivers carry liability insurance, which will cover the damages to another person or vehicle, in the event that the insured person is found to be at fault for the accident. The minimum levels of liability coverage in Delaware are:
- $15,000 in coverage for the damages inflicted on the other driver when the insured is at fault
- $30,000 in coverage for total medical expenses for any passengers that may have been injured during the accident
- $10,000 in coverage for damages that caused to personal or public property, such as the destruction of a guard rail or mailbox.
Getting the Most Affordable Delaware Car Insurance Rates
Despite what you may have heard advertised on the television or radio, not all Delaware car insurance companies will be able to offer you the coverage you want at a price you can afford. It’s important to keep in mind that car insurance rates for each company are based upon specific driver criteria, like:
- Driver age
- Type of car
- Driving record
- Location at which the car will be stored
Many DE car insurance companies offer discounts if drivers meet specific criteria outside of these requirements, but they won’t offer it to you unless you ask specifically. If you are a safe driver, a homeowner, a student with good grades, or looking to purchase multiple policies, you might qualify for a discount.
Finding the Best Delaware Car Insurance Quotes
You can find all of the best DE auto insurance quotes online for free – just enter your zip to start!
