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North Carolina car insurance rates change over the years, if you are not careful you could end up paying too much for your north carolina auto insurance premium. Looking back, the average north carolina auto insurance premium in 2000 was about $670, an increase of about 7.01% in just 3 years!
The State of North Carolina requires those seeking automotive insurance
to carry, at a minimum, liability coverage of $30,000 for injury liability for
one person in an accident, $60,000 to cover the liability for all those injured
in a motor vehicle accident, and $25,000 to cover property damage in an accident. In addition, the insured must carry Uninsured Motorist Protection, to the values specified above, or up to a limit of $1,000,000 (as chosen by the insured), unless the insured specifically rejects such auto insurance coverage in writing.
Liability insurance covers bodily injury and property damage for which the
insured is held legally responsible. North Carolina does not mandate collision, comprehensive, or medical payment coverage for drivers. Uninsured motorist insurance covers damage caused by an uninsured driver who is at-fault in an accident; such north carolina auto insurance covers both bodily injury and property damage. North Carolina
also offers underinsured motorist coverage, in which an at-fault driver who
carries less liability insurance than the damage s/he causes to a covered party
carrying greater liability insurance.
The average north carolina auto insurance premium is $717 in 2003; the national average was at $914. Since most people think north carolina auto insurance rates are fixed by state and north carolina car insurance companies, they never shop around for better north carolina car insurance rates. Our site helps you find the cheapest north carolina automobile insurance rates and discounted prices available in North Carolina, so average North Carolinians can get a better-than-average low north carolina auto insurance rate.
The State of North Carolina has enacted the North Carolina Safe Driver Incentive Plan, which allots points for various vehicular offenses; the greater a driver's point total, the higher the north carolina auto insurance premium. One point, for example, will raise the base north carolina auto insurance rate 25%; 12 points will raise the base north carolina auto insurance rate 400%.
The state allows north carolina auto insurance companies to factor in the driving experience, age, and sex of the driver and the location in which the driver operates the insured vehicle in determining a base north carolina auto insurance rate; in addition, make, model, year and the car or type of vehicle (truck, SUV, camper, etc…) is figured into the calculation of the base north carolina auto insurance quote, as well as the vehicle's primary use. The driving record of the insured is also factored in to the base north carolina auto insurance rate.
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