Posts Tagged ‘north carolina auto insurance’

North Carolina Auto Insurance Coverage for New Drivers

Tuesday, September 27th, 2011

New drivers who are looking for North Carolina auto insurance coverage need to familiarize themselves with the minimum level of coverage required under state law. All cars registered in the state must have at least this level of coverage in place.

North Carolina Auto Insurance Coverage Requirements

Liability auto insurance coverage is required in NC, and drivers must have at least 30/60/25 coverage in place. These numbers break down to $30,000 in bodily injury liability coverage to pay for injuries and damages claimed by one person and $60,000 in coverage to compensate all victims injured in the same accident. Property damage liability coverage of $25,000 or more must also be bought, and this part of the policy pays for damage to other people’s property, including the other driver’s vehicle.

Uninsured motorist coverage for bodily injury claims is also required under NC state law. The minimum coverage limits are the same as for third party liability protection. Drivers can choose to buy a policy with a higher coverage limit if they wish, and a policy providing up to $1 million in coverage may be purchased.

Optional Auto Insurance Coverage

Collision and comprehensive coverage is not required under North Carolina state law. Both of these types of coverage protect the car from physical damage. Even though they are optional, a new car owner who took out a loan to pay for his or her vehicle may need to keep both of them in place until the vehicle has been paid off.

 

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Posted in North Carolina, USA |

How to Keep Your North Carolina Auto Insurance Rate Low

Monday, June 13th, 2011

If your goal is to keep your North Carolina auto insurance rate low, you will need to demonstrate to the company that you present a low risk for coverage purposes. One of the best ways you can do so is to maintain a clean driving record. Customers who do not have a history on the road that includes accidents and/or moving violations can qualify for preferred rates from car insurance companies.

New drivers are charged higher rates for their coverage due to lack of experience behind the wheel. A way to avoid overpaying for coverage during the first few years after being licensed is to complete an approved driver’s education program. A number of insurance companies offer discounts to customers who have taken the time to learn the proper way to operate a motor vehicle.

Reviewing the existing auto insurance policy at least once a year and getting quotes for coverage from several providers is another effective strategy for keeping rates down. Pricing can vary significantly between providers, even for the same type and level of coverage. Taking the time to get quotes is a good strategy, even if you are happy with your current insurance company. It’s possible that you will be able to get better rates by switching providers.

Many companies offer discounts to customers who insure more than one vehicle or who buy their home and auto insurance coverage from the same company. Other discounts may be offered to those who buy a policy online or who keep their annual mileage low.

 

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Posted in Auto Insurance Rates, North Carolina, USA |

How to Get Free Car Insurance Quotes in NC

Thursday, May 19th, 2011

Getting free car insurance quotes in NC doesn’t have to be a difficult process. A number of insurance companies will provide pricing information at no charge to prospective buyers, and this gives consumers the opportunity to compare rates quickly and easily.

There are two ways you can get no-cost car insurance quotes on your NC coverage. The first method is to visit individual company web sites and request a quote from each one. This approach is a good one for drivers who want to learn about coverage options and get to know something about the providers licensed to sell policies in their area.

Carefully reviewing the insurance company web site will provide the driver with information about the products the insurer offers, as well as how long the company has been in business and the number of policies that it has written. The combination of a well-established company with a large customer base is a positive one, and a driver may want to consider getting a quote from one with this profile.

The second method of finding free car insurance quotes in NC is to go to a web site that can generate prices from several companies at once. This is a good choice for a driver who knows exactly what he or she wants and is ready to buy immediately.

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Posted in Free Auto Insurance Quote, North Carolina, USA |

Why You Should Consider Buying NC Car Insurance On Line

Thursday, May 19th, 2011

There are some good reasons why buying NC car insurance on line is something you should consider. For one thing, it is an easy and convenient way for consumers to get the coverage they need. They can shop for insurance at any time of the day or night, without having to wait for “normal” business hours.

Visiting individual company web sites is an effective strategy for learning about different insurance providers and the products that they offer to consumers. A buyer can take the time he or she needs to check out the company itself and make sure that it is one that has a reputation for providing a good level of customer service as well as affordable rates.

Another advantage to buying car insurance on line is that it may be less expensive than buying a policy from an agent. When consumers buy their policies electronically, the company can offer better rates to customers due to lower administrative costs and the fact that they do not have to pay out a commission.

Buying insurance over the Internet means that a driver can get coverage in place quickly. The customer can shop for and buy a policy by paying the deposit with a credit card and receive a printable temporary insurance card immediately. The card should be carried in the vehicle until the insurance policy arrives by mail.

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Posted in North Carolina, Online Auto Insurance Quote, USA |

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