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North Carolina Auto Insurance

Finding affordable North Carolina auto insurance in today's competitive market can seem overwhelming.

That's why InsureMe is here to cut to the chase—by using our free referral service, we will provide you with up to five quotes to make the quest for affordable North Carolina auto insurance a thing of the past.


Protecting Yourself with North Carolina Auto Insurance

What will North Carolina auto insurance do for me?

Your North Carolina auto insurance will protect you from monetary loss in the event of an automobile accident. Your auto insurance policy acts as a contract between you and your company which says that in exchange for paying the premiums, your insurance company will compensate for any losses—as outlined in your policy.

Can I drive without North Carolina auto insurance?

No. The North Carolina Financial Responsibility Law requires all motorists to carry liability coverage.

How much North Carolina auto insurance do I need?

North Carolina requires that you maintain the following:

  • $30,000 in bodily injury coverage per person
  • $60,000 in bodily injury coverage for all persons involved in an accident
  • $25,000 in coverage for property damage

It is important to note that these minimum requirements may not be enough to cover damages in the event of an accident. Before purchasing North Carolina auto insurance you will want to ask yourself:

  • How much of my property can I afford to lose if it is stolen or damaged?
  • If my property is stolen or damaged, how much will it cost to replace?
  • If I am sued by someone who was hurt because of my misconduct, could I pay my legal costs? How could I afford the damage awards to the victim?

Your answers to these questions may affect the amount of coverage you choose to buy.

Who will be covered under my North Carolina auto insurance?

The Personal Automobile Policy will cover you and any family member or other person you authorize to use your vehicle.

How will rates for my North Carolina auto insurance be determined?

Your agent will consider these factors when determining a premium for your North Carolina auto insurance:

Your Driving Record
Your driving record is the largest factor in determining your premium for North Carolina auto insurance. North Carolina assigns points to motorists with convictions or at-fault accidents which ultimately increase rates.

Where You Live
Your location also plays a part in determining your rates. Living in an urban area increases the risk of accident or theft and may boost your rate, whereas living in a rural area will decrease these risks.

Type of Automobile
Insurers must estimate the likelihood of theft and cost to repair or replace your vehicle when determining rates for North Carolina auto insurance. The style of your vehicle may also increase your premium–sports cars are likely to warrant higher premiums than mini vans.

Mileage
Motorists driving greater distances (to work, for instance) are at greater risk for accident and therefore may receive higher premiums.

How do I protect myself against insurance fraud?

Unfortunately, North Carolina has a high incident of insurance fraud. Commissioner Jim Long urges consumers take every necessary step before purchasing North Carolina auto insurance.

As you shop for North Carolina auto insurance, you will want to research prospective companies with the help of reliable sites like A.M Best or Weiss Research. Commissioner Long also encourages you to verify whether your agent is licensed by calling 1-800-546-5664.

Don't Wait for that Unexpected Accident!

Enter your information to the right and let InsureMe provide you with up to five free quotes for North Carolina auto insurance today.


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