When you drive in Delaware, auto insurance is important. While it seems that auto insurance rates are going up, the costs of not having insurance can be devastating in an accident. You could put your health, your home and all of your savings and finances at risk when you are not properly insured. Not only that, but it’s illegal to operate a motor vehicle in Delaware without proper insurance coverage. You must maintain at least the state minimum requirements before driving in Delaware.
What are these state minimum requirements? Liability is required in the state of Delaware and it operates under the policy that is commonly referred to as 15/30/10. This means you need to have:
• $15,000 for bodily injury per accident
• $30,000 for bodily injury for all people involved in an accident
• $10,000 for property damage per accident
If you drive legally in the state of Delaware, this is the minimum requirement of liability insurance that you must have by law. You also need to have proof of this insurance with you in the vehicle at all times. Driving without minimum insurance is a crime and you could end up with high fines, losing your license and losing your car registration.
It’s important to remember that these minimum requirements may not cover all the expenses involved in an accident, especially if you are at fault. Instead of going with just the basics, it is recommended that you get additional, optional coverage. Liability alone may not cover damage done to your vehicle in an accident or other circumstances.
Here are some optional coverage options you should consider as well:
• Collision coverage- this can be added to your insurance policy and protect you from damage caused by collision with another vehicle or object.
• Comprehensive coverage- this is designed to protect you from damage caused by weather-related events, theft and vandalism.
• Uninsured motorist/underinsured motorist coverage- this protects you when you are in an accident with someone who is uninsured or underinsured or when you are damaged by a hit and run driver.
These additional coverage options will increase the premium on your Delaware auto insurance coverage but it is worth it when you weigh the risks involved in not being covered.
If you are concerned with the costs of your Delaware auto insurance, there are some things you can do to help you save even more. The first step is to shop around. A savvy consumer will compare prices from the different options available to get the best one for them.
It’s now much easier than ever before to shop around for Delaware auto insurance coverage. You can get free quotes online on your computer. This makes it fast and easy to find out the different options available without ever leaving your home. Cut out the legwork, the time and the stress involved in shopping around for quotes when you can do it all from home.
Take a few moments to compare the best rates for Delaware auto insurance and you can begin saving hundreds a year in just a few minutes. You don’t have to sacrifice the coverage that you need and want when you shop around for affordable prices.

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