|InsuranceFinder makes it easy to get auto insurance quotes in North Carolina. You simply complete one form and then you are matched with multiple car insurance agents. But before you begin shopping for auto insurance online you should know a little bit about car insurance requirements in North Carolina.
North Carolina implemented a Safe Driver Incentive Plan, which is a point rating system based on violation(s); this incentive plan directly affects your car insurance rates. Each auto insurance point that you get will cost you money. For example, if you were to get 1 point, your car insurance premium would increase by 25%, 6 points results in a 150% increase, 9 point results in a 260% increase, and 12 points will cost you an extra 400% for your vehicle insurance rates in North Carolina! Car insurance points will go as far back as three years for at-fault accidents and convictions for moving violations. Remember to drive carefully and obey all traffic laws to avoid getting these car insurance points.
If you are considered to be a high-risk driver expect to pay more for your car insurance in North Carolina. Additionally, your vehicle insurance company may ask you to sign a “consent to rate” form, where you would agree to pay rates higher than what was filed with the North Carolina Department of Insurance.
That’s why it is so important to comparison shop for car insurance in North Carolina after all, it is free, and best of all you can save money. In just seconds, InsuranceFinder can help you get affordable car insurance rates in North Carolina. What are you waiting for? Get a car insurance quote now.
For more information regarding auto insurance in North Carolina, visit the North Carolina Department of Insurance at http://www.ncdoi.com
|Are you paying too much for insurance?
Are you trying to find affordable insurance? To find out you should comparison-shop for North Carolina automobile insurance. Have you tried InsuranceFinder.com to find a price for North Carolina car insurance? If not what are you waiting for? InsuranceFinder.com is the easiest way to get an North Carolina car insurance quote online. You just complete one quick form to receive multiple automobile insurance quotes from reputable insurance companies.
North Carolina Automobile Insurance Requirements:
Car insurance is required in North Carolina. In order to meet the minimum requirements for auto insurance in North Carolina, you must have liability coverage of 30/60/25. This is $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. Additionally, automobile insurance companies in North Carolina are required to offer you Uninsured Motorist and Combined uninsured/Underinsured Motorist. You aren’t required to have these coverages on your automobile insurance policy but you have to decline them in writing. Just ask your North Carolina auto insurance agent for the form to decline these coverages.
The North Carolina Automobile Insurance Plan:
Liability coverage for insurance in North Carolina is broken out into three parts:
Bodily Injury Liability
Property Damage Liability
Supplementary payments is an addition to the liability coverage as it provides for:
Premiums on appeal bonds and bonds to release attachments
Costs taxed against an insured and interest accruing after a judgment is entered
Loss of earnings because of attendance at hearings or trials at the insurance company’s request
Expenses for emergency first aid to others at an accident involving a covered auto
Other reasonable expenses incurred at the insurance company’s request
Optional Coverage that is offered in North Carolina include:
Other than collision (comprehensive) covers:
hail, water, or flood
malicious mischief or vandalism
riot or civil commotion
contact w/ bird or animal
breakage of glass
Medical Payments Coverage
Automobile Death Indemnity, Specific Disability and Total Disability Benefits Coverage
Miscellaneous Type Vehicle Endorsement
Coverage for Rented Vehicles
Coverage for Damage to Your Auto
Towing and Labor Costs Coverage
Extended Transportation Expenses Coverage
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