North Carolina Auto Insurance for First Time Drivers
The time has come to get a driver's license and get out on the road. If you have a car of your own and are ready to drive, then you need North Carolina auto insurance. As a first time driver, you may have little understanding of North Carolina auto insurance. To aid you in getting your first North Carolina auto insurance, below is some basic information that you should be aware of.
Minimum Requirements for North Carolina Auto Insurance
If you are a first time driver, one of the first things you should know about North Carolina auto insurance is the minimum requirements. North Carolina requires liability insurance as well as uninsured motorist insurance.
Here is a breakdown of the minimum amount of North Carolina auto insurance that you must purchase.
- Bodily injury limit per person: $30,000
- Bodily injury limit per accident: $60,000
- Property damage per accident: $25,000
- Uninsured motorist bodily injury per person: $30,000
- Uninsured motorist bodily injury per accident: $60,000
- Uninsured motorist property damage: $25,000
The Right Amount of North Carolina Auto Insurance
One of the toughest things for new drivers to determine is how much North Carolina auto insurance is needed. If you have just purchased a new vehicle with a loan, then the decision is easy. The lender will require you to purchase a specific amount of auto insurance that will include the state minimums in addition to collision insurance and comprehensive auto insurance.
If you have an older, used vehicle then you may want to consider liability only car insurance. This will save you money on the cost of your North Carolina auto insurance. However, it is recommended that you get liability limits higher than that of the requirements. A good rule of thumb for liability insurance is limits of 100/300/100.
If you have a vehicle that is paid off, but still retains solid resale value, then you should continue with collision and comprehensive insurance, but maybe drop the limits down a little to reflect the depreciated value of your vehicle.
Choosing the Right North Carolina Auto Insurance Company
If you are a teenage driver, then it may be best to be included on your parents North Carolina auto insurance policy. If you cannot get on your parents auto insurance policy or you are no longer a teen driver, then you will want to carefully investigate prospective North Carolina auto insurance companies.
In addition to the rate offered by a North Carolina auto insurance company, there are several other factors to consider.
- 24 hour customer service
- Discounts that fit your situation
- Financial strength
- Freely disbursement of any information you request
- History of paying off claims quickly and without hassle
Don’t forget about your personal feelings either. You want a North Carolina auto insurance company that makes you feel comfortable and secure.
Reduce the Cost of Your North Carolina Auto Insurance
Here are a few things you can do to help keep the cost of your North Carolina auto insurance premiums low.
- Drive maturely: Speeding and reckless driving tickets to young or inexperienced drivers will quickly cause a significant increase in the amount you will pay for North Carolina auto insurance.
- Keep your grades high: If you are under the age of 25 and still in either high school or college, you may receive a discount for good grades.
- Stay away from the sports car: Fast cars in the hands of young, inexperienced drivers mean higher North Carolina auto insurance premiums.
- Take a driver's safety course: A driver's safety course is inexpensive especially compared to the savings you will receive. It shows to the North Carolina auto insurance companies that you have gained knowledge and are serious about being safe.
Get North Carolina Auto Insurance Rate Quotes
The best thing you can do for yourself when searching for North Carolina auto insurance is to get at least 5 North Carolina auto insurance quotes. These quotes are free and take only a few minutes to get. You fill out an online application and you instantly get multiple quotes from reputable North Carolina auto insurance companies.
Once you have gathered these quotes you may see a rather large range of prices. This is because North Carolina auto insurance rates are not fixed and are at the discretion of the companies themselves. By taking the few minutes to get these North Carolina auto insurance rates, you can save money each month on your premiums.
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