Cheap Car Insurance in North Carolina
In the market for North Carolina automobile insurance? Whether you live in Charlotte, Raleigh, Greensboro, Winston-Salem, or Durham, you can get up to ten rate quotes from top providers in the area with AutoInsuranceEZ.com. Price ranges fluctuate by agency and you should compare rates carefully before you obtain a policy. We’ll make it easier to choose the coverage to meet your needs.
North Carolina Auto Insurance – Average Premiums
There are several factors that affect the price of North Carolina vehicle insurance which, when calculated out, equal a state average of about $87 per month. If you live in an area with a high rate of automobile collisions, your insurance costs may be higher. For example, someone who lives in Winston-Salem will undoubtedly pay around $126/month for their policy than a motorist living in Durham, who pays around $55 monthly. This is because rural drivers are less likely to get into an accident than city drivers.
Important North Carolina Auto Insurance Laws and Requirements
Finding cheap North Carolina car insurance is a fairly straightforward process. There are no requirements for the purchase of no-fault insurance, making North Carolina automobile insurance that much cheaper. There are UM/UIM requirements, however, and the state-mandated minimum amount of coverage must be equal to the Liability limits on your policy. Additionally, Liability requirements are as follows:
|Bodily Injury Liability||30,000/60,000||100,000/300,000|
|Property Damage Liability||25,000||50,000|
|Uninsured Motorist Bodily Injury||30,000/60,000||100,000/300,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||250 deductible|
|Comprehensive||Not required||0 deductible|
Choosing the Right Amount of North Carolina Car Insurance Coverage
The choice is yours like a responsible driver to buy the correct quantity of coverage for the vehicle. That being stated, some automobiles want more insurance policy than the others. A costly, luxury vehicle will require bigger levels of coverage, and additional types, for example Collision and comprehensive.
North Carolina DUI Laws
If you are convicted of your first DUI offense, you may face the following penalties: a 1 year license suspension and mandatory substance abuse treatment. Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In North Carolina, you will not need to file an SR-22 in order to have your driver’s license reinstated.
Age Limit Laws
In North Carolina motorists can obtain a Student Stage driving permit at 15 years old. It doesn’t matter what age you receive your learner’s permit, you won’t have the ability to graduate the next stage until you have had the permit for 12 months. In that time, You’ll need a minimum of 60 hours of supervised driving (and 10 hours of supervised night driving) before you can get issued an intermediate license.
Teenagers by having an intermediate permit must also collect some additional supervised driving hours (12 during the day, and 6 at night) and aren’t allowed to be driving between the hours of 9 PM to 5 AM, nor will they be permitted more than 1 travelers younger than 21 who aren’t family. The first opportunity that a teenage driver in North Carolina could possibly get a complete license is 16 years and 6 months old.
Credit Score Laws and Regulations
Like 47 other states, North Carolina is really a state by which your insurance provider can legally make use of your credit information to lower or raise your rates. The greater your credit rating, the low your rate per month is going to be on the other hand, for those who have a bad credit score but want lower monthly repayments, you might want to work at raising your credit rating.
Insuring your Vehicle in North Carolina
For whatever reason, many motorists think that their insurance plan is insuring them, the driver, meaning it does not matter what vehicle they drive, their insurance plan covers any adverse occurrences. However the insurance plan is actually tailored particularly for the vehicle (therefore, the reason they have to know your make/model).
Additional North Carolina Auto Insurance Laws and Requirements
We’ve already talked about most of the more essential state laws and regulations that will heavily influence your monthly costs for automotive insurance. However, there are more laws and regulations too which could lift up your rates – when you get caught breaking them, that is.
Highway Safety Laws
For better or for worse, there are aggressive driving laws in the state of North Carolina. If you wish to drive aggressively with absolutely no concern for good manners or the safety of your fellow drivers, you may run the risk of getting pulled over and ticketed for it. It will also increase the likelihood of getting into an accident, and you and your insurance company will be more likely to be held financially responsible for causing the accident.
|Aggressive Driving||Speeding and driving carelessly and heedlessly in willful or wanton disregard of the rights or safety of others while committing at least two of the following violations: running a red light or stop sign, illegal passing, failing to yield right of way, following too closely.|
|Cell Phones and Texting Laws||All driver ban|
|Inc. Penalty for High BAC||BAC 0.15|
|Admin. License Susp. on 1st Offense||30 days|
Speed Limits and Cell Phone Use
So far as texting and driving goes, there’s an all-driver ban within the state of North Carolina. Likewise, it’s also a principal offense for motorists younger than 18 or for school bus drivers to make use of their mobile phone whatsoever while driving. Grown-ups 18 and over, however, aren’t breaking any laws and regulations by speaking on their own phone while operating an automobile.
|Rural Interstate||70 mph|
|Urban Interstate||70 mph|
|Other Limited-Access||70 mph|
Important North Carolina Contacts
North Carolina Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.
How to contact directly:
Consumer Services Div.
North Carolina Dept. of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
Phone Toll Free: 1-800-546-5664
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