Cheap Car Insurance Info

Cheap Auto Insurance In NC, North Carolina


How much is car insurance in north carolina

Locating an Affordable Car Insurance


Here's How to Locate Cheap Auto Insurance In NC

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:


1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.


The Newbie Mistake That Can Cost You Dearly

The number one mistake made by folks who seek Cheap Auto Insurance In NC, (North Carolina) is approaching only the companies that are most heavily advertised. The first insurance company that comes to mind is not necessarily the one that will offer you the best rate.

The single most critical factor in getting a cheaper car insurance rate is shopping around for as many quotes as you can. Why? because different insurance companies charge different rates for the same coverage. In addition, insurance companies' competitiveness differ tremendously by customer location.

Only by obtaining several quotes that are specific to your situation and location you will be really able to discover the cheapest rate that is available to you. How many quotes? go for at least 5 quotes from different insurers, less than that will not do the job.

Now, usually shopping around for five quotes can be a tedious and time consuming task, but we will make it here much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:

1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528- this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.

insuring your vehicle

North Carolina Car Insurance

In North Carolina, you are legally required to have a means of covering any costs of injuries or damages that may result from a car accident. The best way to fulfill this requirement is by purchasing car insurance.

Learn more about North Carolina car insurance requirements, options, and programs below.

NC Car Insurance Requirements

North Carolina requires that ALL drivers have liability insurance. This coverage helps pay for injuries and damages from a car accident for which you are at fault.

The minimum liability coverage limits are:

  • $30,000 for bodily injury liability, per person per accident.
  • $60,000 of bodily injury liability total per accident.
  • $25,000 of property damage liability, per accident.

You are also required to have uninsured motorist coverage. This helps pay for your own accident-related injuries when the collision occurred with an uninsured driver.

The same minimum limits apply as with your bodily injury liability insurance.

Optional Car Insurance (NC car insurance companies)

In Part 1, we detailed the first five strategies on how to cut your car insurance costs. In Part 2, we show you the second five.

STEP 6 - Review, Change or Cancel No Fault & PIP (Personal Injury Protection)

No-Fault Coverage, and it's Twin - PIP - started out as great idea's. Your premiums were actually going to be lowered. Then, your State Politicians got involved (at the urging of Insurance Lobbyists, of course) and mucked it up.

You see, no-fault insurance coverage was originally intended to have each individual's losses, covered by their own car insurance company - no matter who was at fault.

Today, in many States, car insurance companies are making a ton of money on no-fault because the insurance companies convinced State law-makers to make "modifications."

Today, because of the these changes, car insurance companies have actually used the no-fault laws to reduce payments on a claim made by a customer, instead of reducing car insurance premiums as it was supposed to do.

So, premiums keep going up-and-up and insurance companies end up paying less for claims - Someone's getting rich on that deal....and it's not you.

And to make matters worse, some States (with really, really talented Insurance Lobbyist's) also require an additional premium be paid on top of the no-fault premium. This beauty is called Personal Injury Protection (PIP).

PIP is a "wide-blanket" of coverage and can provide Collision Coverage, Hospitalization, Social Security Disability, Workers Comp, Personal Disability Insurance & Life Insurance.

The problem with PIP and what it covers is....

You already gave most, if not all, of these coverage's anyway, don't you? So, you're paying twice!

So, you need to do a couple of things:

Google "minimum levels of required auto insurance" to see if No-Fault Insurance and/or PIP Is required in your State;

Then, check your policy. If it's not required by your State to have No-Fault/PIP Coverage and it's on your policy - cancel it. If No-Fault/PIP is required by your State....take the absolute minimum. Here's how.

If you must have No-Fault/PIP, ask for and get a deductible from your car insurance company.

STEP 7 - Cancel Medical Coverage

Medical Coverage, on most car insurance policies, is a promise to pay "reasonable" medical expenses for anyone who is riding in your car should you have an accident...as well as anyone in your car should it get hit by someone else.

Cancel it. You don't need it.

Why is that you say? Well, medical coverage as part of your car insurance policy is a duplicate of your own:

- Medical Plan; - Any Life Insurance Coverage you might have, as well as; - The Liability Sections of almost every car insurance policy written in the U.S.

Think of it this way....Do you have a Health/Medical/Hospitalization Plan thru work or an Association you belong to?

Then why are you paying premiums for Medical/Hospitalization Coverage on your Car Insurance Policy?

Here's what's going to happen when you tell the car insurance company or Agent that you "Don't want the Hospitalization/Medical Coverage." You're going to hear very slick "scare tactics" to help change your mind.

The insurance company employee will say "Well, if you're in an accident, and it's your fault, who's going to cover the medical bills for any injured passengers in your car?"

Here's your answer. Your family is already covered by your Health/Hospitalization Plan. If anybody else is in the car and they're injured - they're covered by your Bodily Injury Liability coverage that you're already paying for....and their own Health/Hospitalization Plan.

So go ahead - save some more money and get rid of this coverage.

STEP 8 - Cancel Death, Dismemberment & Loss of Sight

Do you have any of these coverage's on your existing car insurance policy? If so - cancel them.

And if you're a first time car insurance buyer or, just looking at getting several car insurance quotes, don't let anyone talk you into them!

Why?

Because, these coverage's are an absolute waste of money. Most of these optional coverage's are simply "glorified" life insurance policies with ridiculous provisions and horribly overpriced premiums. If you need life insurance, make it a separate Insurance Policy.

STEP 9 - Cancel The Extras

Do you have "Roadside Assistance" or "Rental Car Reimbursement" on your policy? If so, cancel them.

And again, if you're a first time insurance buyer or getting a few car insurance quotes, don't bother with these coverage's.

Why? Because they're severely overpriced, are rarely ever used, and limit what you can and cannot do.

For instance, some rental car reimbursement" coverage is almost $100 a year for each vehicle on your policy. So if you have two cars, you'll spend almost $2,000 on rental car coverage in the next 10 years - and likely never even use it.

And roadside assistance? The piece-of-mind it offers gets trampled by the premiums the car insurance companies want for this coverage. Roadside assistance is a good idea. But use AAA for a cheaper solution.

STEP 10 - Terminate Comprehensive & Collision Coverage On Older Cars.

If you have an older car - by that I mean one that's worth less than $2,000 wholesale (the amount a car dealer would give you if you were trading it in) cancel any Comprehensive and Collision Coverage you have or decline that option when getting a car insurance quote.

Here's why. If an 8 year-old car and a brand new car have identical damage, the cost to repair both will be identical as well, even though the 8 year-old car is worth next-to-nothing.

You see the cost of a bumper and fender are the same - whether it's for a brand new car, or one that is 8 years-old. That's why your premiums don't go down as the value of the car goes down. Your payments remain almost the same, year-after-year-after-year.

But, the bottom drops-out of what you'll be able to collect on that older car. For instance, if your car is "totaled", your insurance company will only pay you the wholesale value of your car.

So, let's say your car is worth $1,000, but the total damage is more than $4,000, the insurance company is only going to give you a check for $1,000....minus your deductible, of course.

So you might end up getting $500 back. Sounds like a lousy deal....but that's how it works.

So, the rule-of-thumb is this - cancel your comp & collision coverage when your vehicles value is less than $2,000....or you'll be throwing your money away.

Okay - you've jotted down some notes and are ready to make some changes to your car insurance policy. So pick up the phone and start slashing your premiums!

Other Articles That May Interest You

Suppose you need to have a shorter term policy, for instance one month, there are clever ways to lower your premiums for those short terms you seek, look for example here for a clever strategy to minimize your rate: cheap month to month car insurance. A motor home/recreational vehicle provides temporary living quarters for recreational use and is exempt for requiring a commercial driver’s license in most states: Cheap RV Insurance Companies - Best Recreational Vehicle Insurance Quotes. If you are operating a vehicle for any business-related purposes, you will need commercial car insurance: Cheap Tow Truck Insurance Cost. Is your son or daughter under 25 years old and you seek an affordable rata? look no more. There are ways to lower ins premiums even for younger drivers that are often subject to higher rate due to the fact that they are considered higher risk be insuring companies. look here for a little known strategy to get reduces rates: cheap car insurance for new drivers. If you own a business that uses a vehicle or number of vehicles for commercial purposes, you need to insure those vehicles with a commercial auto insurance policy: Cheap Short Term Commercial Truck Insurance Quotes. Are you stressed with money and are looking for quotes that does not require cash advance down payment? here is an interesting article that will provide useful information for your situation: no deposit car insurance companies. There are many reasons why an auto insurance provider might consider you a high risk motorist; as an example, if you have lately been convicted of a DUI, a driver having a clean record is likely to not be greater than your risk profile: Cheap Car Insurance For Bad Driving Record. Suppose you are looking for a list of insuring companies that provide comprehensive policies at affordable rates plus you want the list to only feature top insurers, now here's where you can find what your wish for: list of car insurance companies. The state of Texas requires all drivers to prove financial responsibility for any accidents they may cause. For many, that means purchasing liability insurance: Cheap Motorcycle Insurance Texas.

How about new drivers that are over 25 years old? this calls for a specific and relatively rare situation, as rates for new drivers are usably higher that older driver, while here there is a new driver that is older than most first time drivers, now here is some helpful tips to suite this issue: car insurance for new drivers over 25. Upon requesting a quote from an insurance provider you will be presented with an application form and be asked a series of questions regarding your driving history: Cheap Non Trucking Liability Insurance Companies. For some the best policy term is six month, are you looking for the best quotes for a half year term? well, look no more here are some insights that will help you locate the low cost rates to fit your exact wishes: cheap 6 month car insurance. Commercial trucks are perfect vehicles for certain types of businesses. Construction contractors, for instance, know the value of a good one: Cheap Commercial Insurance For Young Drivers. Are you the proud (and soon to be worried) father or mother of a 15 years old who got his/her new Lerner permit and looking for your option as for the best insuring options? find here relevant information to help you discover the least expensive options for your kid driver: Car insurance for permit drivers. Custom vehicles frequently result in auto insurance premiums that are higher since they're considered a higher risk to ensure: Compare Modified Car Insurance, Best Insurance Company For Modified Cars.

Getting quotes from brokers or companies that does not require down payment is rare to nonexistent, no upfront deposit simply does not make sense for insuring agents from a business point of view, still that does not to say that there are no options for you to get affordable rates that will fit your tight money situation, see here for some helpful tips and strategies: cheap no deposit car insurance. There are many reasons why an auto insurance provider might consider you a high risk driver; for instance, if you have lately been convicted of a DUI: Best Insurance For High Risk Drivers. Drivers that are under the age of twenty one year olds are considered by insurers as a potential risk, for this reason insuring companies tend to charge a risk premium rate to cover their perceived increase risk, so if you are a dad or a mom to a young driver that is under 21 years old be prepare to get higher quotes than what you were accustomed to for the older member of the family. Still among the various insurers there are some who will provide you with lower quotes than others, now here is how you locate the best options for your just became a driver kid: car insurance for first time drivers under 21. When it comes to Trucking Company Insurance Carriers, it may seem obvious to consider protection against liability, damages to your vehicles, and injuries to you and your employees: Cheap Trucking Company Insurance Carriers.

When you are looking to insure your vehicle, in most cases you will want to seek maximum protection available, that is called full coverage, now although it is more expensive than partial coverage like just risk or a policy with high deductible, it will help you be more relaxed in case of a claim and not stressed, worried how to come with money to replace your damaged car. So here's where you can find a list of strategies to help you locate the best coverage at the cheapest rate possible for your specific location: cheap full coverage car insurance. As a parent of a teenager, you face numerous challenges. One of the minor ones involves finding affordable teen car insurance: Cheap Temporary Insurance For Young Drivers. There will be instances when you will be interested in locating insurers that will be willing to provide you with a shorter term than the usual one year of six month policy term, you may be needing a one day, a week or a one month term, in this case you can find a good low cost insurers in the following article: cheap temporary auto insurance. Many variables help determine the premium for your performance auto Insurance coverage: Cheap High Performance Car Insurance Brokers.

are you looking for a no down payment insurers? a broker or an agent that will be willing to provide with a get now pay later kind of car coverage? well this is probably not going to happen as the companies simply do not offer such a policy, however the following article will provide you with several strategies that will allow you to get the most affordable coverage available for your location: buy now pay later car insurance. In North Carolina, you are legally required to have a means of covering any costs of injuries or damages that may result from a car accident: Motorcycle Insurance NC Cost. In rare cases you will be looking for very short coverage duration, like insuring your automobile for one week, it is indeed quite possible to obtain cover for such a short term, here how to locate the best insuring companies for your needs: one week car insurance.

Fact: buying coverage for a first time driver is expensive, insurer companies will charge you an arm and a leg for this. Anyway, your aim is to get the cheapest rate possible even in the framework of a new driver insurance, how you do that? here is the single most import strategy when looking for lower cost quotes for teen drivers: car insurance for first time drivers. Motorcycle accidents happen all the time, and if one happens to you, the financial ramifications can be harsh: Cheap Motorcycle Insurance Michigan Rates. So you are looking for companies that will provide you with affordable quotes for you 17 year teen. You know it will cost you as the brokers and agents charge what they call a risk premiums for young adults. However here is how you can minimize your cost by obtaining the least expensive rates available for you depending on your location and the year and make of the car you intend to insure: car insurance for 17 year old.

Insuring teen drivers is expensive, you surly know this. There are however several strategies that you can utilize in order to be able to ease the blow and locate that specific insurer that will offer you the best rate available, here how you do this: car insurance for 18 year old. looking to insure drivers under the age of 25 years is tricky as insuring company look at young folks as a potential risk and tent to charge more, way more for young adult drivers. How much more? it depends on the duration of your driving experience, driver license duration of less than three years is translated into a much more expensive rate than a licenece duration of more than three years. here's how you can locate the best possible cost for a 25 year old: car insurance for women under 25 years old.

Are you considered a high risk driver? if yes, unfortunately you will have to pay an increased rate in order to be insured. So when insurers will consider you a bad driver or a high risk and charge you more? any of the following will label you as a bad driver that may be subject to an increased rate: if you had several car accidents, if you were convicted of driving under the influence (DUI) or Driving While Intoxicated (DWI), and more. Now in all those instances your costs to be insured will be higher than the usual going rates however there are still strategies to minimize your quotes, see here: cheap high risk auto insurance companies. Despite all of the security precautions you might require, the reality remains there's danger involved with controlling your motorbike. It's this danger that makes having a motorbike insurance policy that is solid crucial: Average Motorcycle Insurance Cost Estimates.

Since vehicle policies are regulated at the state level, it is recommended that you add the name of your state and city to the search term when searching online for low cost quotes. For your convenient here is a list of US states and biggest cities: Alabama AL, in Alaska AK, in Arizona AZ, in Arkansas AR, in California CA, in Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Puerto Rico PR, Rhode Island RI, best auto insurance in north carolina companies South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VI, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY. New York, Los Angeles, Chicago, Houston, Philadelphia, okc, Phoenix, San Antonio, San Diego, Dallas, San Jose, Detroit, Indianapolis, Jacksonville, San Francisco, Columbus, Ohio, Austin, Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle, Boston, Denver, Louisville- Jefferson County, Washington, Nashville-Davidson, in Las Vegas, Portland, Oklahoma City, Tucson, Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans, Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami, Canadian, Canada, Northern Ireland, Australia, Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington.


Disclaimer: While every effort is made to ensure that the content of this website is accurate, the website is provided “as is” and Bizmove.com makes no representations or warranties in relation to the accuracy or completeness of the information found on it. While the content of this site is provided in good faith, we do not warrant that the information will be kept up to date, be true and not misleading, or that this site will always (or ever) be available for use. Nothing on this website should be taken to constitute professional advice or a formal recommendation and we exclude all representations and warranties relating to the content and use of this site.

Copyright © by Bizmove. All rights reserved.