In Delaware, as in most states, it is illegal for an individual to drive any motor vehicle without proper car insurance. Also, it is unwise to drive through this state without proper knowledge of laws and Delaware driving quirks.
At the very minimum, drivers are required to carry liability insurance which allows for bodily injury protection, property damage, and personal injury protection. BIP and PIP protection limits have to be set at least at $15,000 per person or $30,000 to all people involved in one incident. Property damage insurance must equal at least $10,000.
Optional, affordable Delaware car insurance coverage includes collision, comprehensive, uninsured and under-insured motorist coverage, towing and labor coverage, and rental reimbursement coverage. These help protect you against loss of value or vehicle. Collision coverage pays for physical damage to your car due to colliding with an object, such as a tree or another car. The cost is based upon the car’s value. Comprehensive coverage insures you against damage caused from fire, weather, vandalism, and theft. Uninsured/underinsured motorist coverage protects you against other drivers who may be driving without insurance or against an incident with a hit-and-run driver.
Almost all nationwide insurance companies can provide you with cheap car insurance in Delaware. The most common insurance companies in this state are Nationwide Insurance (which accounts for 23% of the insurance sold in the Delaware), State Farm Insurance (22%), Progressive (10%), Berkshire Hathaway (7%), and Liberty Mutual (7%). These companies sometimes offer discounts. You can make sure you are getting the fairest rate by comparing online, maintaining a good driving record, selecting the lowest possible limits, taking a defensive driving course, and maintain a good school record.
The State of Delaware has idiosyncratic laws regarding cell phone use while driving. While the legislation does not include provisions for hands-free headsets, it does address cell phone use by minors and operators of a school bus. Drivers under 18 years of age who are using a Level 1 learner’s permit cannot legally use a cellular device or any time of handheld communication while driving. If a driver is caught in that situation, their license is suspended for one month on the first offense, and three months on each subsequent offense.
