Best cheap car insurance quotes in Delmar
Delaware requires Delmar drivers to carry both liability car insurance
and personal injury protection (PIP)
. After a car accident in which you were at fault, the former compensates any injured parties for bodily injuries and property damage. As for the latter, it covers hospitalization and surgery for you and your passengers, regardless of who’s to blame.
However, when it comes to car accidents, the minimum coverage limits are seldom enough. The at-fault party is often responsible for (a potentially huge) out-of-pocket expense.
Cheap minimum liability insurance quotes in Delmar
According to Delaware car insurance laws
, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively. It’s illegal to carry any less than:
$50,000 of bodily injury liability coverage per accident
$15,000 of PIP coverage per person
$30,000 of PIP coverage per accident
The minimum coverage tends to sell for the cheapest price. Here’s how much Delmar car owners paid for a legally-compliant policy through Jerry:
Coverage
State Minimum
Delmar, DE
(Zip Code: 19940) Jeep Compass Latitude Do you need more than minimum coverage in Delmar?
Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Delmar are quite low.
For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus, Delaware car accident laws
say you can be sued in a personal injury lawsuit up to two years after the event. The bottom line: Delmar is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.
Cheap full coverage car insurance quotes in Delmar
Liability insurance coverage benefits other people, but full-coverage car insurance
pays for repairs and replacements to your motor vehicle even if you’re at fault. Typically, if you lease or buy a car with a loan, you’ll be required to carry full coverage car insurance.
A full-coverage insurance policy usually contains liability coverage, collision coverage
, and comprehensive coverage
. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault. Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!
While full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates in Delmar for complete peace of mind:
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $559 | | KIA Forte GT Line |
• State Minimum Liability • Comp / Collision | AAA | $273 | | Infiniti M35 |
Last Updated Mar 27, 2024