North Carolina Auto Insurance

Are you trying to find auto insurance for the state of North Carolina? Look no further as our site can provide you with quotes from leading auto insurance providers. Simply fill out the form at Onlineautoinsurance.com to get your quotes and start saving money on your car insurance today. Once you give us your information, we’ll send you an email with at least four quotes from top auto insurance companies for your review.

As you’ll read on the North Carolina Department of Auto Insurance website, it is important that each consumer search for the best rates by comparing insurance companies and the coverage they offer. It is the responsibility of each driver to be properly insured as they drive the roads of the state to obey state laws. Failure to follow this law will result in serious consequences.

As required by all states, every driver in the state of North Carolina must obtain the minimal amount of auto insurance to legally drive any vehicle. The minimal amount required by North Carolina is as follows:

• $30,000 Bodily Injury per person
• $60,000 Bodily Injury per accident
• $25,000 Property Damage
• $30,000/$60,000 Uninsured Motorist Bodily Injury
• $25,000 Uninsured Motorist Property Damage

If you are new to purchasing NC auto insurance, here’s a brief explanation of the minimal coverage required by state law.

Bodily injury liability is a coverage that will pay for the other driver and passenger’s medical expenses, funeral costs, loss of wages, and pain and suffering costs when you found at-fault for the accident. It will also pay for representation in court if you are sued. Be aware that this coverage does not pay for yours or your passengers’ medical expenses, funeral cost, loss of wages, and pain and suffering costs of you or anyone else on your policy. If you are looking for this additional coverage, you will need to purchase medical payment coverage or use your own health insurance to have these things taken care of by your auto insurance company for you or other members of your policy.

Please note that the $30,000 number for bodily injury per person indicates that only up to $30,000 will be provided by the insurer to help with those above mentioned expenses. The second number, $60,000 bodily injury per accident, indicates the insurer will pay for those expenses up to $60,000 for the combined part of driver and passengers for that particular accident.

Property damage liability will pay for the cost of repairing the property belonging to another person, such as wall, pole, traffic light, car, etc. that you have caused damage to with your own vehicle. If the total cost of the damages exceeds the amount of property damage coverage you have purchased, you will be required to pay for the difference, not the auto insurance company.

The amounts for uninsured motorist bodily injury and uninsured motorist property damage are very similar to bodily injury per person and accident and property damage mentioned earlier, however these monies are applied when the other driver does not have any insurance and has damaged your vehicle. In this instance your auto insurance company will take care of your expenses because the accident was not your fault and the other driver didn’t have insurance.

Cheap North Carolina Auto Insurance

Due to the rising cost of medical bills and property values, it is recommended by experts to carry more than just the minimum amount of coverage required by state law. This will increase your rates as you opt for more coverage. However, there are ways to keep your rates down despite adding to your coverage amount. Here’s a list of things you can do to keep your rates as cheap as possible.

• Good Driver – Proving you’re a safe driving by having less than two violations (depending on the type) may still grant drivers the good driver discount which can be in the range of 20%. This shows you tend to obey speed limits and watch for other cars, knowing how to avoid accidents.
• Multiple Car – Keeping all of your vehicles on the same policy will keep your rates lower compared to having them all on a separate policy. Keep this in mind when your teenager starts driving her car. Multi-car discounts are also in the range of 20%.
• Marriage – Married drivers have the privilege of saving a few dollars on their policy. Statistically speaking, married persons are more careful in their actions than single people, mostly due to their concern for their spouse and family. Some carriers, however, may ask for a marriage certificate to qualify.
• Special Vehicle Features- Some vehicles will automatically provide you with discounts if they have features such as anti-lock brakes, theft alarms or low-jack, daytime running lights and airbags.
• Type of Vehicle – Flashy, quick cars and SUVs are more likely to be charged a higher auto insurance rate than a minivan or family sedan. While family cars are driven more cautiously, statistics show sports cars being driven more on the reckless side. Also, the year of your vehicle will help determine your rates, meaning the newer the car, the higher the rate for auto insurance.
• Payment Plan – Consider the different payments plans available. Some payment plans such as automatic withdraw from your account or paying the policy term in full can save you a few dollars per year.
• Coverage and Deductibles – When getting your free online auto insurance quotes, experiment with different deductibles and coverage types to see what fits your budget. Generally, if you raise the deductibles, you rates will reduce; however, keep in mind that a deductible is what you will have to pay vehicle’s repairs.

You can always increase the amount of coverage for your auto insurance policy. This will better protect you from having to use your own money to cover costly expenses. Again, remember the minimal North Carolina auto insurance requirements do not cover your own vehicle or passengers (including the driver). More coverage that may be of worth to you could be Personal Injury Protection, Medical Payments, Comprehensive and Collision, Rental Car or Road Side Assistance coverage.