North Carolina Car Insurance

For people living in North Carolina, car insurance may be something that they don't really think about too often. This is unfortunate because the time to consider whether you have enough car insurance coverage in NC is before an accident happens. Before you renew your North Carolina car insurance, think about whether you are adequately protecting yourself and your assets.

If you were unfortunate enough to be involved in an accident where you are considered to be the "at fault" driver and you didn't have insurance coverage, you would be personally responsible for paying for medical and other expenses incurred by the people who were injured. Given the rising cost of healthcare, these figures would add up very quickly.

When you have NC car insurance coverage, your insurance company will pay these expenses (up to the policy limits) on your behalf. If the accident is a serious one that causes serious injuries, then you will be responsible for any damages over your policy limit.

Some people have been forced to make difficult decisions about selling off their assets in order to pay for damages they caused. While you might grumble a bit about the cost of your car insurance, it really is money well spent.

North Carolina Auto Insurance Minimum Coverage Levels

North Carolina drivers are required to carry at least a minimum level of car insurance by law. Keep in mind that you always have the option of having more insurance than the minimum levels required by law, and in many situations that is a wise choice.

At least $30,000 in bodily injury liability insurance must be in place to pay for a single individual's injuries in an accident. You also need to have a cap of $60,000 for all people injured in the other vehicle as the result of an accident caused by you.

In addition, drivers in North Carolina must have a minimum of $25,000 property damage coverage on their vehicle. This type of insurance pays for damage to the other vehicle, as well as signs or buildings.

Average Auto Insurance Cost For North Carolina Residents

North Carolina drivers saw rates drop significantly from 2006 to 2007. During this time, the average car insurance rates dropped from $2,261 to $1,945. Even with this rate drop, North Carolina residents were still paying more than the national average ($1,896) for their coverage.

NC Car Insurance Coverage Options

Carrying Uninsured/Underinsured Motorist coverage is not mandatory in North Carolina, but it is something that is strongly recommended. Putting this type of policy in place means that if you are injured in an accident and the other driver doesn't have insurance or doesn't have enough coverage in place to pay for your expenses, your policy will make up the difference. Another situation where this type of protection would be beneficial is if your car is damaged by a hit and run driver.

Where To Find Cheap North Carolina Car Insurance Coverage

Finding cheap North Carolina car insurance coverage is not difficult. You can go online to get quotes from a number of different car companies and compare them. Keep in mind that rates are only part of the equation. You also need to consider the level of coverage you are getting for the price, as well as the insurance company's record of paying claims promptly.

An independent insurance agent sells multiple lines of insurance and can help you find the right company for your needs as well. They can also help you to understand the specific language of insurance policies.

A low rate won't be helpful if you need to make a claim and have trouble getting it resolved in a timely manner. Ask people you know about their experience with their insurance company, especially if they have ever had to make a claim in the past. How the company behaves after an accident has occurred is a better test of whether you should be dealing with it or moving on to a different company.

Comparing North Carolina Car Insurance Quotes Online

You can get a quote for North Carolina car insurance right now by clicking on the insurance tool at the top of this page. There is no charge and it's easy to use. Get started comparing North Carolina auto insurance quotes!