Delaware is a small state with a good road system. Currently the state of Delaware is pursuing several road projects, which will lead to improved driving conditions in the long term, but may cause some hold-ups while being completed. Delaware has a temperate climate but does receive some snow during the winter, so drivers should be cautious during inclement weather. Weather alerts and traffic advisories for Delaware can be accessed via the internet, radio, or television.

The law in Delaware requires all drivers to carry three types of insurance, with no exceptions. Anyone found to be driving without insurance may incur a fine or lose their license plates or driver’s license. The minimum insurance limits required are $15,000/$30,000 in Bodily Injury Protection, $10,000 in Property Damage, and $15,000/$30,000 Personal Injury Protection. Other common types of coverage, such as collision, comprehensive, and uninsured motorist coverage are not required by Delaware law, but are recommended. Motorcycle drivers in Delaware are required to carry the same minimum amount of insurance coverage as drivers of other vehicles.

Delaware drivers may be eligible for insurance premium discounts for multiple cars on a policy, a good student grade average, safety equipment or anti-theft devices installed in the car, or having other types of insurance with the same company. Maintaining a good driving record is the most important way of keeping insurance premiums to a minimum. Choosing the highest deductible on an insurance plan will result in the lowest premiums; it’s important to remember, however, that this means a higher cost if an accident does occur. Drivers in Delaware can save ten percent on their insurance premium by taking an approved defensive driving course, and this discount is good for three years. By taking a refresher course at the end of the three year period, you can be eligible for a fifteen percent discount.

The top ten insurance providers in Delaware are Nationwide Insurance, State Farm Insurance, Progressive Insurance, Berkshire Hathaway, Liberty Mutual, Allstate Insurance, USAA, Hartford Fire and Casualty, AIG, and Sentry Insurance. Together, these companies account for 86 percent of all auto insurance policies in the state. When shopping for auto insurance, it’s important to call several companies to get the best rate quote.