Sick and tired of scraping the payment together to buy car insurance? Your situation is no different than many other drivers in Delaware. There are many insurers to choose from, and even though it’s nice to have a selection, it can be more challenging to find the best rates.
All major car insurance companies like 21st Century, Allstate and State Farm provide coverage prices directly from their websites. Getting online rates is pretty painless as you simply enter your required coverages into the quote form. Once entered, the system sends out for your driving record and credit report and returns a price. This simplifies rate comparisons, but the process of having to visit many different websites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to do this if you are searching for better car insurance pricing.
There is a better way!
A less time-consuming method to compare car insurance pricing uses one simple form that gets prices from multiple companies. It saves time, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the quotes returned. If you find a better price you can simply submit the application and buy the policy. The entire process can be completed in less than 10 minutes and could lower your rates considerably.
In order to find out what other companies charge, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you type in the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you will have a fair comparison using the exact same coverages.
Companies do not list every discount in a way that’s easy to find, so we researched some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, companies don’t profit that way.
To see a list of insurers offering car insurance discounts in Delaware, follow this link.
Having a good grasp of car insurance helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for bills like X-ray expenses, EMT expenses, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive auto coverage
Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as a broken windshield, damage from getting keyed, falling objects and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability car insurance
Liability coverage will cover injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as bail bonds, medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible. Delaware requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing higher limits.
Collision coverage protection
Collision insurance will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like backing into a parked car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Delaware drivers carry very low liability coverage limits (which is 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
More tips and info about car insurance is located at the Delaware Department of Insurance website. Consumers can get help finding coverage, read enforcement actions against agents and companies, and learn about specific coverages.