The state of North Carolina requires all vehicle owners to have car insurance. Your policy must include liability insurance, which covers costs if you are responsible for an accident. Your policy must also include uninsured motorist insurance. In North Carolina, driving without insurance is a Class 1 misdemeanor, which means that you can face fines, jail time and probation.
The good news is that North Carolina is among the least expensive places in the US for car insurance. Vehicle owners in this state pay an average of $986 per year for their coverage, which is significantly lower than the national average of $1,311. Your rates will be calculated according to a variety of factors such as the make, model, and year of your car, your personal details such as age, occupation, and driving record, and credit score. Comparing quotes from a few different insurers lets you be sure that you are getting your coverage at a competitive price.
TrustedChoice’s customer service was the most responsive to the inquiry that I had when looking for car insurance, and I liked that. I communicated with the rep mostly through email, and she was more than willing to be of assistance any way possible. TrustedChoice provided me with the quote, and they’re the company that I am guaranteed to go with.April of Cary, NC Consumer Affairs
In North Carolina, all car insurance policies are required by law to include liability insurance and uninsured motorist coverage. Other coverage options, such as collision and comprehensive coverage, are not required by the state, but are required by lenders if you have financed or are leasing your vehicle. You can expect a typical car insurance policy to include the following:
If you currently owe more for your vehicle than it is worth, you may want to talk to your insurance agent about how gap insurance can provide an added layer of protection in the event that your vehicle is totaled.
There are currently 693 independent insurance agencies in North Carolina who are ready to help you find the right auto insurance policy. Independent agents are free to work with several different insurance providers, so they can acquire a variety of customized car insurance quotes that you can review and compare together. Let a local independent agent help you find the most competitively priced policy to meet all your auto coverage needs.