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Auto Insurance North Carolina

A State well known for its sandy beaches, where people come miles to visit. North Carolina is also known as the ‘First in Flight’. The Wright Brothers had the first controlled and sustained aircraft flight in 1903 at Kitty Hawk. Talk about making history!

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CHEAPEST AUTO INSURANCE NORTH CAROLINA

the cost of car insurance can be tailored and fit to meet everyone’s needs. It is not as cookie-cutter as it may seem. Drivers are able to customize their insurance policy to save money on coverages they do not need and only pay for what they do.

COST OF AUTO INSURANCE NORTH CAROLINA

We have all been there, right? A speeding ticket or two back in our 20s? We all learned real quick, that speeding tickets will cost you more than you know. Insurance premiums go up with violations on your driving record. Keep a squeaky clean driving record, and your wallet will thank you.

AUTO INSURANCE NORTH CAROLINA – LEAST EXPENSIVE CAR INSURANCE FOR YOUNG DRIVERS

The cost of car insurance in North Carolina is generally more expensive for younger drivers, because of the lack of driving experience they have. This is not to say you’re not all great drivers; however, insurance companies make the cost of insurance cheaper as you get more years of experience under your belt. Your North Carolina Insurance will decrease!

CHEAPEST AUTO INSURANCE NORTH CAROLINA – FULL COVERAGE

The cost of auto insurance in North Carolina can vary depending on what coverages you add on to your policy. Full coverage consists coverages such as Comprehensive and Collision. Comprehensive will cover your vehicle for theft, vandalism, glass breakage, fire, and impact with an animal. Collision will cover an impact with another vehicle or object.

If you choose full coverage, once you have the basics (comprehensive and collision), you can add other coverages on, such as Roadside and Rental Reimbursement.

CHEAPEST CAR RATE WITH BUNDLE HOMEOWNERS DISCOUNT – AUTO INSURANCE NORTH CAROLINA

AUTO INSURANCE NORTH CAROLINA: LIABILITY COVERAGE

The minimum liability limits required by law in the State of NC are 30/60/25 and Uninsured Motorist coverage is 30/60.

This means, if you are found liable in the event of an accident, your liability limit will pay out to the other party involved; $30,000 per person for bodily injury expenses, up to $60,000 per accident and $25,000 for property damage.

Not all States require you to carry Uninsured Motorist Bodily Injury Protection, NC is one of the States that does require. This will cover you $30,000 per person and $60,000 per accident if you are hit by an Uninsured Driver.

What is the Average Cost of Auto Insurance in NC?

The average driver in North Carolina who is only getting liability insurance in compliance with the States minimum requirements may possibly pay under $100 a month! However, do keep in mind, that rates do vary depending on each individual and car.

Auto Insurance North Carolina: SR22

An SR22 is simply an attachment that is added onto a policy containing AT LEAST the State Minimum Liability Requirements. The Insurance company is responsible for reporting your insurance to the State of NC on your behalf; letting them know that you are complying.

Generally, an SR-22 is required if you’ve been convicted of a major violation, such as a DUI or Reckless Driving. Have other questions? Speak with one of our licensed agents who specialize in this type of coverage.

CHEAPEST AUTO INSURANCE NORTH CAROLINA FOR FEMALE DRIVERS

Tips for Choosing the Right Deductible for Home and Auto Insurance

• Assess Your Financial Situation Before Choosing a Deductible
  Your deductible is the amount you must pay before your home or auto insurance covers the rest of the claim. Be sure that your emergency savings can cover this amount comfortably. For personalized advice on choosing the right deductible, Text Us or call 1.888.445.2793.
• Understand the Trade-Off Between Deductibles and Premiums
  A higher deductible often leads to lower insurance premiums, while a lower deductible means higher premiums but less out-of-pocket expense when filing a claim. Call us at 1.888.445.2793 to compare premium and deductible options for your policy.
• Consider How Frequently You Expect to File Claims
  If you expect to file claims frequently, a lower deductible may save you from large out-of-pocket expenses. If you rarely file claims, a higher deductible could reduce your auto or home insurance premiums. Text Us for a quick assessment.
• Choose a Higher Deductible for Lower Premiums If You Rarely File Claims
  For those who don’t frequently file insurance claims, choosing a higher deductible can result in significant savings on monthly insurance premiums. Contact us at 1.888.445.2793 to see how much you could save with this strategy.
• Review Your Deductible During Your Annual Policy Review
  It’s wise to reassess your deductible during your annual insurance policy review. Adjusting your deductible to fit your current financial situation could offer better coverage or savings. Text Us or call 1.888.445.2793 to review your policy today.

Last Updated on January 13, 2025 by Marlon Moss