Best cheap car insurance quotes in Historic New Castle
Delaware requires Historic New Castle drivers to carry both
liability car insurance and
personal injury protection (PIP). After a car accident in which you were at fault, the former compensates any injured parties for bodily injuries and property damage.
As for the latter, it covers hospitalization and surgery for you and your passengers, regardless of who’s to blame.
However, when it comes to car accidents, the minimum coverage limits are seldom enough. The at-fault party is often responsible for (a potentially huge) out-of-pocket expense.
Cheap minimum liability insurance quotes in Historic New Castle
Delaware car insurance laws, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively.
It’s illegal to carry any less than:
The minimum coverage tends to sell for the cheapest price. Here’s how much Historic New Castle car owners paid for a legally-compliant policy through Jerry:
Historic New Castle, DE (Zip Code: 19720)
Do you need more than minimum coverage in Historic New Castle?
Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Historic New Castle are quite low.
For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus,
Delaware car accident laws say you can be sued in a personal injury lawsuit up to two years after the event.
The bottom line: Historic New Castle is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.
Cheap full coverage car insurance quotes in Historic New Castle
Liability insurance coverage benefits other people, but
full-coverage car insurance pays for repairs and replacements to your motor vehicle even if you’re at fault.
Typically, if you lease or buy a car with a loan, you’ll be required to carry full coverage car insurance.
A full-coverage insurance policy usually contains liability coverage,
collision coverage, and
comprehensive coverage. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault.
Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!
While full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates in Historic New Castle for complete peace of mind:
|Insurance Coverage||Insurance Company||Premium (monthly)||Customer||Car|
• State Minimum Liability
• Comp / Collision
|Nissan Versa S|
Last Updated Dec 11, 2023