Auto Insurance for Residents Throughout North Carolina
Don’t get caught thinking all auto policies are the same. Your auto policy needs to be customized to fit your individual needs. One size does not fit all when it comes to auto insurance. Auto insurance is the LAW. You must carry at least liability insurance on all vehicles tagged in your state. NC’s minimum limit is 30/60/25. Typically we recommend no less than 100/300/100 and an umbrella policy will more than likely required you to carry 250/500/100. Most major carriers have raised the rates for auto coverage in coastal communities. We have the advantage to compare prices from different carriers for the best rate for your coverage. We have multiple carriers that continue to be competitive and often save our clients up to 40%. Call us today for a free auto quote!
What does an auto insurance policy cover?
Most auto owners’ insurance includes several types of coverage, some of which are mandatory in most states. Of these, the most common are:
Bodily Injury Liability
For accidents where you’re at fault for causing an injury to the other driver or passenger(s). Coverage includes:
- Medical bills
- Lost wages
- Pain and suffering
Property Damage Coverage
Covers damage to the other party’s property, such as:
- Light pole
Uninsured/Underinsured Motorist Coverage
For times when you’re injured by someone who doesn’t have auto liability insurance, or whose coverage isn’t sufficient to pay for the damage caused. Available compensations include:
- Medical expenses
- Funeral expenses
- Vehicle repairs
How Driving History Affects Auto Insurance in Wilmington, North Carolina
Looking to lower your auto insurance rates in Wilmington, NC? Avoid accidents and tickets at all costs. A clean driving record reassures insurance companies that you’re unlikely to have frequent accidents. Here are a few criminal activities that drive up auto insurance premiums.
- Speeding citations
- At-fault collisions
- Reckless driving tickets
Insurers use low auto insurance rates to incentivize drivers with clean records. What’s more, a reckless driving ticket in North Carolina can spike car insurance rates by 83%. So, the next time you’re itching to run a stop sign, think about how it can affect your auto insurance rates!
Of course, the most severe penalty is for DUI or DWI convictions. In North Carolina, a DUI can increase the annual car insurance rate by $3,416- 68% more than the U.S. average. DUI charges often lead auto insurance companies to consider a driver high-risk and capable of causing fatal accidents.