How to Compare North Carolina Auto Insurance

The state requires that motorists carry a valid liability policy at all times while operating a vehicle. The state's Department of Insurance recommends that individuals take the time and comparison shop due to the fact that they can find a substantial difference in quotes from one company to the next. Shopping around can help find the most affordable car insurance carrier for a particular individual.North Carolina flag

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Helpful Tips When Comparing North Carolina Car Insurance

When shopping around for new coverage there are several ways that consumers can find optimum savings and avoid overpaying for a policy. As mentioned, shopping and comparing quotes is a vital step to finding the cheapest insurer. When making a comparison of companies one must make sure that they are quoting the same amount and type of coverage with each provider. Failure to do so can end up in an ineffective comparison.

Comparing more extensive coverage can be beneficial. North Carolina auto insurance laws require that motorist carry liability limits of 30/60/25 for bodily injury and property damage. This will compensate a third party if the policyholder is found liable for a traffic accident in the amounts of $30,000 for the bodily injury of one person, $60,000 for bodily injury per accident and $25,000 for property damage. Considering higher limits may benefit some individuals and protect them from having to pay any amount that exceeds these limits out of pocket.

Also, one may want to see how much additional options may cost such as Uninsured Motorist, Comprehensive and Collision along with others one may see fit. Remember that obtaining quotations is free, therefore compare various options to ensure that they right policy is found at the right price.

If a motorist is in need of Comprehensive and Collision (also referred to as full coverage when combined with Liability) they can consider higher deductibles. The amount of the deductible chosen may directly affect the amount of the premium. Although, one must realize that this is the amount that would have to paid in the event that a claim is filed.

Make sure to take advantage of the various discounts that are offered to help find cheap NC car insurance companies. A discount may be given for the following items:
  • Good driver symbol of comparing
  • Vehicles equipped with safety features such as
    • anti-lock brakes
    • airbags
    • daytime running lights
    • automatic seatbelts, etc.
  • Good student (grade point average of "B" or higher)
  • Having payments automatically withdrawn from bank account (EFT)
  • Mature driver
There may be more discounts offered and they can each vary by company. Taking the time to shop around is a great way to save on policies and can be well worth the effort. Keep in mind that it is free to obtain rates from insurers and there is no obligation to buy. Therefore, try and complete comparisons of various different options in order to find the type of policy that can best fit both needs for protection and budget.