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.
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 Rates
- Milton, DE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Milton, DE
- Multi Vehicle Insurance Savings in Milton, DE
- How Credit Score Affects Car Insurance Rates in Milton, DE
- How DUI Affects Auto Insurance Premiums in Milton, DE
- Top Auto Insurance Agents Near Milton, DE
- How Driving Violations Affect Auto Insurance Rates in Milton, DE
- Milton, DE Auto Insurance Discounts on Anti Theft Feature
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 |