Milton Auto Insurance Rates, Quotes, Agents & Reviews in DE

Milton, DE Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Milton, 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.

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Low Cost Car Insurance in Milton, DE

Auto insurance is required by law in Delaware and provides financial protection during an accident. It covers the costs of medical expenses, property damage, and other costs associated with an accident. Without auto insurance, drivers would be responsible for covering the cost of any damages they cause, which could be financially devastating. Auto insurance can also provide additional coverage that protects drivers from liability in the event of an accident.

In Milton, Delaware, auto insurance typically costs $1,871. The cost of auto insurance in Milton, DE, will depend on various factors such as age, driving record, type of vehicle, and other factors. The best way to find out the exact cost of your auto insurance is to get a quote from a local insurance agent. An agent can give you a more accurate estimate based on your specific information. To get the best vehicle insurance offers in Milton, Delaware, use the recommendations below.

Choose a High Deductible

In Milton, DE, one way to reduce auto insurance costs is to choose a high deductible. A higher deductible means that you are responsible for a larger portion of any damages that occur in the event of an accident. This reduces the amount of coverage the insurance company has to pay out and can lower your premium. Generally, the higher the deductible, the lower the premium. For example, individuals who opt for a high deductible of $1,000 pay a premium of $1,203, while those who choose a low deductible of $500 pay a premium of $1,424. However, it is important to make sure that you can afford to pay the higher deductible in the event of an accident. 

Maintain a High Credit Score

The best way to reduce auto insurance costs in Milton, DE, is to maintain a high credit score. Insurance companies use credit-based insurance scores to assess the risk of insuring an individual and set the cost of premiums accordingly. A good credit score indicates that an individual is more likely to have fewer financial obligations and is less of a risk to insurers. In Milton, Delaware, car buyers with exceptional credit scores must pay $1,605, while those with poor credit scores must pay $3052. As a result, Milton, Delaware drivers who wish to save money on their auto insurance must maintain a high credit score. To maintain a high credit score, individuals should pay their bills on time, keep their debt load low, and avoid opening too many lines of credit.

Avoid Driving Under the Influence (DUI)

Driving under the influence (DUI) can have serious and long-term consequences on your auto insurance cost in Milton, DE. Insurance companies view DUI convictions as a sign of recklessness and irresponsible driving and thus charge significantly higher premiums for drivers convicted of DUI. For example, Milton, Delaware, typically rates $1,871 for auto insurance. Owners of vehicles with a DUI conviction history pay a $3,100 post-DUI premium. As a result, insurance rates increase following a DUI. The best way to reduce auto insurance costs in Milton, DE, is to avoid driving under the influence. Not only will this help keep your insurance premiums low, but it will also help to keep you and others safe on the roads.

Factors that can influence the cost of car insurance in Milton, 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.

Milton, DE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Milton, DE with that of other cities in and around Milton.

Milton Millsboro Georgetown Henlopen Acres Milford South Ellendale
Average Insurance Rates $1,871 $1,792 $1,802 $2,234 $1,802 $1,777

Milton, 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 Milton, 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)
Milton $1,424 $1,203
Sussex County $2,187 $1,847
Georgetown $1,686 $1,424
Ellendale $1,544 $1,304
Lewes $2,362 $1,995
Milford South $1,381 $1,167
Millsboro $1,496 $1,263
Henlopen Acres $2,334 $1,971

Milton, DE Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Milton, 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 $6,071
20 Years $2,404
30 Years $1,852
40 Years $1,782
50 Years $1,650
60 Years $1,673
70 Years $1,947

Milton, DE Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Milton, 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 $3,256 $486
3 Vehicles $4,883 $730
4 Vehicles $6,511 $973

Savings on 2 Vehicles bundle:$486

Savings on 3 Vehicles bundle:$730

Savings on 4 Vehicles bundle:$973

Milton, 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 Milton, DE.

Location Average Insurance Cost Post DUI Insurance Rate
Milton $1,871 $3,100
Sussex County $1,659 $2,749
Georgetown $1,802 $2,986
Ellendale $1,777 $2,944
Lewes $1,929 $3,196
Milford South $1,802 $2,986
Millsboro $1,792 $2,969
Henlopen Acres $2,234 $3,701

Milton, 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) $1,605
Excellent (740-799) $1,832
Good (670-739) $1,950
Average (580-669) $2,544
Poor (300-579) $3,052

Milton, 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
[ J e, a, i n
Paul Sarnak Allstate 19413 Jingle Shell Way Unit 1, Lewes, 19958 (302) 248-8500
Stracar Insurance Allstate 24083 Shortly Rd, Georgetown, 19947 (302) 854-9760
Clifford D Short Insurance None 606 E Market St, Georgetown, 19947 None
The Gordy Insurance Agency Incorporated . None 103 Broadkill Rd , Milton, 19968 None
Christopher Mann Allstate 19413 Jingle Shell Way Unit 1, Lewes, 19958 (302) 248-8500
Atlantic S C & D Allstate 17644 Coastal Hwy, Lewes, 19958 (302) 644-8464
George Bunting Jr State Farm 19716 Sea Air Ave Ste 1, Rehoboth Bch, 19971-3800 302-227-3891
Truitt Insurance Agcy Inc Nationwide 365 Savannah Rd, Lewes, 19958-1524 (302) 645-6459
[ J e, a, i n

Milton, 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 +$82 $1,953
Driver's Failure In Showing Documents +$181 $2,052
Driving With An Expired Registration +$193 $2,064
Driving At A Considerably Slow Pace +$406 $2,277
Using A Cellphone While Driving +$428 $2,299
Running A Red Light +$436 $2,307
Speeding +$458 $2,329
Driving A Vehicle Without The Required Permission +$582 $2,453
Driving With An Expired/Suspended License +$1,261 $3,132

Milton, 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 $1,796
Active Disabling Device $1,796
Tracking Device $1,759
Passive Disabling Device $1,740