Cheap Vehicle Quote, Online Vehicle Insurance, Tips for North Carolina Drivers
Getting insured in the Tar Heel State is a must if a motorist intends on operating an automobile legally, but getting properly insured and at a decent rate comes down to much more than just picking up the phone and calling the first auto insurance carrier that comes to mind; finding the right policy and insurer can take a little bit of research and shopping around.
The main reason for this is because there are many options that an individual has when insuring themselves and their vehicles and there is no single policy that can fit the needs of every motorist and there is no company that can offer everyone the best price for the coverage needed.
Obtaining proper North Carolina auto insurance should start with making sure that the legal requirements are fulfilled before all else. Currently the state requires that motorists carry policies with minimum liability limits in the amounts of $30,000 for bodily injury for one person, $60,000 for bodily injury per accident and $25,000 for property damage; higher limits may be purchased for an additional premium and the individual would need to evaluate their personal situation and budget to see if they would benefit from more extensive protection. In addition to the minimum liability requirements, motorists must also purchase Uninsured and Underinsured Motorist coverage in amounts no less than the required liability limits. These types of coverage do not cover the policyholder’s vehicle for any damage that it may sustain and it is not required by law for individuals to do so, but may be beneficial for some.