The Delaware Department of Motor Vehicles (DMV) is very serious when it comes to car registration and auto insurance in Delaware. They even have on-site inspection areas. It is against the law to drive without car insurance in Delaware.

Because of this, it is especially important for Delaware business owners to also take Delaware car insurance seriously. Company owners must insure all employees who will be driving company-owned vehicles under commercial auto insurance in Delaware. Many companies choose to store the proof of insurance in the glove compartment for ease of use.

Before you contact an auto insurance company in Delaware, you should know:

1. How many employees require coverage by Delaware auto insurance?
2. How much insurance does your company wish to purchase? Most companies purchase more than the minimum.
3. How much insurance does Delaware state law require?
   

Action Steps
The best contacts and resources to help you get it done

Receive an auto insurance quote in Delaware from several companies

By filling out one simple form, you can receive an auto insurance quote in Delaware from many of the leading Delaware auto insurance companies. This is a convenient way to get the best rates.

I recommend: Both QuoteCarInsurance.com and Insurance.com allow you to compare the rates from several different Delaware car insurance companies.

Select a Delaware auto insurance policy that is right for you

Different companies have different needs when purchasing commercial auto insurance in Delaware. Some companies look for a more cost-effective solution while others are looking for a high level of service.

I recommend: Most consumers in Delaware use Nationwide or State Farm. These two companies provide an excellent level of service. Geico is an auto insurance company that usually offers low rates.

Purchase enough coverage to satisfy your company's needs

All states require a certain level of coverage. Auto insurance in Delaware must cover a minimum of $15,000 for injury or death of one person in an accident, $30,000 for injury or death of more than one person in an accident and $10,000 for property damage. Many companies purchase a higher level of coverage for security.

I recommend: A coverage calculator helps you to determine the amount of coverage that your company needs based on several factors. You can use the coverage calculators provided by AIG insurance or CarInsurance.com.

Ask your Delaware insurance company if you qualify for discounts

Many car insurance companies offer discounts for a variety of things, from having additional security devices on your car to being a member of a professional organization. Your account representative will be able to tell you if you qualify.

I recommend: Geico conveniently lists the things that they provide discounts for on their website, including being military, having air bags, being a good student and being a member of certain organizations.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Sometimes insurance companies offer discounts when you bundle several insurance packages together. If you already have an insurance policy with a company, ask if they also offer car insurance in Delaware. You may be able to get a great deal through them.
• •  Dealerships often require a higher level of coverage than the minimum. If you are leasing or financing your car, check to see the amount of auto insurance in Delaware your dealer requires.