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Auto Insurance in North Carolina

North Carolina has a financial responsibility law that requires drivers to carry small amounts of liability coverage in order to drive legally. This includes $30,000 per person and $60,000 per accident for injury coverage, as well as $25,000 in property damage coverage per accident. Although these are the only requirements, you should check into higher coverage amounts, if only for your own security. You can find better coverage for an affordable rate as long as you shop around and compare quotes.

By shopping around for insurance rates, you'll get a chance to see what different companies have to offer. You might find more coverage than you wanted for the same price as a policy with less coverage. Aside from comparing quotes to save money, you should also consider checking into which discounts you are eligible for, if any. Some discounts that are offered can include:

•     good driver
•     good student
•     multiple vehicles
•     multiple policy
•     vehicle features (such as airbags or anti-theft systems)

Auto insurance in North Carolina will have a different price tag for everyone, because your rates are calculated based on your personal situation, including the following factors:

•     driving record
•     credit rating
•     type of vehicle insured
•     amount of coverage
•     age, gender, marital status

Generally speaking, insurance companies are looking for low-risk customers, which will get you the best insurance rates. However, even if you are higher risk because of your driving record or the car you drive, you can still get affordable auto insurance in North Carolina by taking the time to shop around.