Harrington, DE Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Harrington, DE, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Low Cost Car Insurance in Harrington, DE
Car insurance is a must in Harrington, DE, because the state law requires it. You will be fined if caught driving without car insurance, and your license may be suspended. If you cause an accident, you will be held financially responsible for any damage or injuries. Car insurance protects you, your passengers, and other drivers on the road. You need car insurance to protect yourself, your passengers, and other drivers on the road. Car insurance is the best way to protect yourself in the event of an accident financially.
The average cost of car insurance in Harrington, DE, is $1,808. No matter what your budget is, you can find affordable car insurance in Harrington, DE. Drivers in Harrington have a variety of insurance companies to choose from, and there are a number of ways to get discounts on your premium. Here are a few tips to help you get the most affordable car insurance in Harrington.
1. Credit History
In Harrington, DE, auto insurance companies use a driver's credit score to help determine rates. A driver's credit score is a number used to indicate an individual's creditworthiness. It is based on the information in the driver's credit report. Auto insurance companies use credit scores to help determine rates because studies have shown a correlation between a driver's credit score and the likelihood of them filing a claim. Drivers with lower credit scores are more likely to file a claim than those with higher credit scores. Therefore, auto insurance companies charge higher rates for drivers with lower credit scores to offset the risk. For instance, in Harrington, DE, automobile owners with exceptional credit scores have to pay $1,551, while those with poor credit must pay $2,949. Therefore, in order to receive reductions on auto insurance rates in Harrington, DE, car owners must have good credit scores..
2. Age of the driver
Auto insurance rates can vary greatly depending on the driver's age. Younger drivers tend to pay more for their insurance than older drivers. This is because younger drivers are considered more of a risk on the road. They are more likely to get into accidents and get speeding tickets. Insurance companies charge more for younger drivers because they are more likely to pay out claims. On the other hand, older drivers are considered to be more experienced and responsible. They are less likely to get into accidents and get speeding tickets. As a result, they usually pay less for their insurance. For instance, young drivers in Harrington, DE, pay $5,867 for car insurance, while drivers over the age of 40 in Harrington, DE, pay $1,722.
3. Driving Habits
Auto insurance rates have been rising in Harrington, DE, and one of the main reasons for this is driving violations. If you have a speeding ticket or another moving violation on your record, your insurance rates will likely go up. Insurance companies view drivers with violations as riskier, charging higher rates to offset that risk. For example, the total cost of auto insurance in Harrington, DE, will increase by +$421 and +$1219, respectively, if a driver runs a red light or has an expired license.
If you're looking to keep your auto insurance rates down, it's important to avoid violations. Obeying the speed limit and other traffic laws is the best way to do this. If you get a violation, shop for auto insurance and compare rates before renewing your policy.
Factors that can influence the cost of car insurance in Harrington, DE are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Harrington, DE Auto Insurance Rates
- Harrington, DE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Harrington, DE
- Multi Vehicle Insurance Savings in Harrington, DE
- How Credit Score Affects Car Insurance Rates in Harrington, DE
- How DUI Affects Auto Insurance Premiums in Harrington, DE
- Top Auto Insurance Agents Near Harrington, DE
- How Driving Violations Affect Auto Insurance Rates in Harrington, DE
- Harrington, DE Auto Insurance Discounts on Anti Theft Feature
Harrington, DE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Harrington, DE with that of other cities in and around Harrington.
| Harrington | Greenwood | Viola | Felton | Houston | Milford | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,808 | $1,770 | $1,794 | $1,798 | $1,780 | $1,788 |
Harrington, DE Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Harrington, DE based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Harrington | $1,051 | $887 |
| Farmington | $1,351 | $1,141 |
| Houston | $1,368 | $1,155 |
| Greenwood | $1,968 | $1,663 |
| Felton | $2,109 | $1,782 |
| Bridgeville-Greenwood | $2,297 | $1,940 |
| Viola | $1,806 | $1,525 |
| Milford | $1,233 | $1,041 |
Harrington, DE Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Harrington, DE usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,867 |
| 20 Years | $2,323 |
| 30 Years | $1,789 |
| 40 Years | $1,722 |
| 50 Years | $1,594 |
| 60 Years | $1,616 |
| 70 Years | $1,882 |
Harrington, DE Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Harrington, DE can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,146 | $470 |
| 3 Vehicles | $4,719 | $705 |
| 4 Vehicles | $6,292 | $940 |
Savings on 2 Vehicles bundle:$470
Savings on 3 Vehicles bundle:$705
Savings on 4 Vehicles bundle:$940
Harrington, DE Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Harrington, DE.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Harrington | $1,808 | $2,996 |
| Farmington | $1,770 | $2,933 |
| Houston | $1,780 | $2,949 |
| Greenwood | $1,770 | $2,933 |
| Felton | $1,798 | $2,979 |
| Bridgeville-Greenwood | $1,808 | $2,996 |
| Viola | $1,794 | $2,972 |
| Milford | $1,788 | $2,962 |
Harrington, DE Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,551 |
| Excellent (740-799) | $1,771 |
| Good (670-739) | $1,884 |
| Average (580-669) | $2,458 |
| Poor (300-579) | $2,949 |
Harrington, DE Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Short Insurance Associates Inc | None | 106 N Pine St, Seaford, 19973 | None |
| Cnc Insurance Associates Inc | None | 20 East Division Street, Dover, 19903 | None |
| Mark Schanne | State Farm | 915 S Dupont Highway, Milford, 19963-2234 | 302-422-2235 |
| Amanda Dixon | State Farm | 1711 Pulaski Hwy, Bear, 19701-1711 | 302-836-9819 |
| L & M Insurance Agency, Inc. | None | 1 Mill St, Greenwood, 19950 | None |
| Peter L Wolff | Nationwide | 520 Peoples Plaza, Newark, 19702 | (302) 283-1880 |
Harrington, DE Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$80 | $1,888 |
| Driver's Failure In Showing Documents | +$175 | $1,983 |
| Driving With An Expired Registration | +$186 | $1,994 |
| Driving At A Considerably Slow Pace | +$392 | $2,200 |
| Using A Cellphone While Driving | +$414 | $2,222 |
| Running A Red Light | +$421 | $2,229 |
| Speeding | +$443 | $2,251 |
| Driving A Vehicle Without The Required Permission | +$562 | $2,370 |
| Driving With An Expired/Suspended License | +$1,219 | $3,027 |
Harrington, DE Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,736 |
| Active Disabling Device | $1,736 |
| Tracking Device | $1,700 |
| Passive Disabling Device | $1,681 |