What can affect your car insurance rates in Delaware

What can affect your car insurance rates in Delaware

Amount of coverage: If you choose to carry coverage above the mandatory minimum, your premiums will be higher.

Deductible amount: Choosing a higher deductible will reduce the premiums of your auto insurance. However, your out-of-pocket expense will be higher if you have an accident.

Discounts: Auto insurers may offer premium discounts for numerous reasons, including for people who have taken an approved defensive driving course. Ask your agent what discounts are available to you.

Driving record: Drivers with previous violations or accidents are considered to be a higher risk.

Gender and age: Men have more accidents on the road than women; certain age groups tend to have more claims.

Marital status: Claims history shows that married persons tend to have fewer claims.

Type of vehicle: Luxury and sports cars average a higher number of claims; also the more expensive a vehicle, the more expensive it is to insure.

Usage of vehicle: The more you drive, the higher the risk and so the higher the premium.

Where you live: Urban areas have more claims than rural areas and some areas have more frequent accidents than others.