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Drive your car with confidence  knowing that you have adequate coverage in the state of North Carolina.  If you are shopping for car insurance or thinking of changing  policies or providers, you have come to the right place.   

When you are shopping for auto insurance, it is always a good idea to get several quotes before you make a decision. By doing so, you ensure that you have found the best deal for you.  One way to get several quotes is by using our 5 free quotes online service.   Discount auto insurance in North Carolina is available to you with one click.

North Carolina’s Requirements for Auto Insurance

Every state has specific legal requirements for auto insurance. North Carolina mandates that all drivers carry liability insurance.  Motorist must have this minimum coverage:

• $30,000 in bodily injury coverage per person. Bodily injury coverage pays for items like medical bills, loss of income, and pain and suffering for an individual not responsible for the accident.
• $60,000 in bodily injury coverage for all persons involved in an accident.  Bodily injury covers physical injury, death expenses and legal representation for driver and passengers  who are not at fault.
• $25,000 in coverage for property damage.  This coverage pays for the damage you do to someone else’s car or property when you cause an accident.  Reimbursement amount depends on the amount of the damage and/or the cost of replacing.

As a North Carolina driver it is your responsibility to meet these minimum requirements in your auto insurance policy, not the insurance company’s.  Property damage and bodily injury liability are usual requirements in most states.  Be sure you have sufficient bodily injury liability coverage to protect valuable assets, which may be well beyond  the above minimum requirements.  Why?  If you are at fault in an accident and cause damage beyond the limits of your auto insurance policy, an insurance company can liquidate your assets in order to pay damages over and above your insurance policy coverage.

When purchasing car insurance, do not get unnecessary add-ons. Things like Motor Club, Travel Club, and Accidental Death Insurance are rarely used and just end up costing you more money each year. Instead, stick with things you will use, such as collision coverage, liability and property damage, and bodily injury coverage.

When you are faced with buying car insurance, don’t simply go to the first company that you see. Do your research, and find out what kind of a policy you need, and what various companies would charge you for it. The price for a similar policy can often vary quite a bit from company to company.  Or if you have not done so yet, check out our 5 free quotes online. 

Once you determine the policy you need and the price range you can afford, getting discount auto insurance in North Carolina will be a possibility for you. You are going to feel much better when you know that you have the proper insurance to protect you from the law and from accidents.