New Castle Car Insurance

Your Complete Guide to New Castle, DE, Car Insurance

And how to connect with a local adviser

New Castle Delaware Car Insurance

New Castle, DE, requires all drivers to carry car insurance. The state regulates the limits that will have to be met by each person on the road. With a population of 5,348 in New Castle, protection is necessary. 

Fortunately, an independent insurance agent can help you meet coverage requirements for an affordable price. They know how to navigate state-mandated policies, so you don't have to. Connect with a local expert to get started.

New Castle, DE, Auto Insurance Requirements

Auto insurance is mandatory in New Castle, DE, at the required limits. Insurance regulations will need to be followed to comply with local law. Check out the required auto insurance for New Castle, DE.

  • A minimum liability of $25,000 per person/ $50,000 per accident/ $10,000 property damage.  

Another necessary coverage not required by law in New Castle, DE

  • Uninsured/ Underinsured Motorists minimum liability limit of $25,000 per person/ $50,000 per accident/ $10,000 property damage

In Delaware, the percentage of uninsured motorists is 11.4% of all drivers. This is just below the national average of 13.0%. While some coverage is better than nothing, the minimum limits of protection are usually not enough. Review your policy with a professional for accuracy.

Optional Car Coverage in New Castle, DE

Your auto insurance policy in New Castle will have liability coverage, and that's pretty much it. If you want protection for your vehicles and other items, you'll need to add it. In the meantime, check out some options below.

  • Gap coverage: This pays for the difference in your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: This will pay for a tow truck to tow a covered auto due to a loss.
  • Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your car in the event of a crash.

These optional coverages can be added to any auto policy for a fee. While you are not required by law to obtain anything other than the minimum limits, you may want more protection than that. Review your policy for sufficiency.

Crime and Auto Premium Reduction in New Castle, DE

Auto insurance is determined by a variety of items carriers use. Things like personal data and outside events cause your premiums to fluctuate. Check out rating factors the insurance companies use below.

  • The coverages you choose
  • Policy discounts that may apply 
  • Your claims history
  • Your insurance score
  • Catastrophes reported 
  • Local crime rates 
  • Your motor vehicle record (MVR)

There are multiple factors you won't be able to control, and some you will. Local crime and weather are among the items that you cannot change, and they impact your premiums. Let's take a peek at the theft rates per 100,000 people.

  • National average: 228.90
  • Delaware average: 423.60
  • New Castle average: 299.00

Another way to save is by bundling your auto and home insurance with the same carrier. When you put all your policies with one company, you will get better premiums. Insurance companies give a discount of 30% or more on coverages.

Rideshare Services in New Castle, DE

If you drive for Uber or Lyft in New Castle, DE, a personal auto policy will likely not have protection. To have the right coverage, you'll need to consider business insurance. Since you are transporting people or parcels, there is a specific policy required.

Commercial auto insurance will have protection for rideshare and livery-for-hire services. When you have paying passengers, you will be liable for any loss that occurs. Without commercial vehicle coverage, you could be at high risk.

How to Find a New Castle, DE, Independent Agent

Auto insurance is necessary for most US states. New Castle, DE, requires minimum limits of coverage to avoid profound penalties or worse. To have accurate and sufficient limits of protection, consider using a knowledgeable professional. 

An independent insurance agent can help find a policy for an affordable price. Since they work with several carriers at once, you'll get the best deal in town. Connect with a local expert on TrustedChoice.com in minutes.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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