If you are looking to save on your North Carolina car insurance, you are at the right place. Go ahead and enter you zip code at the top of this page and you will get a list of the cheapest auto insurance providers in the state. Comparing quotes from those companies is the best way to lower your premium.
In this article below, you can learn a lot of basic information about car insurance in NC.
North Carolina Car Insurance Requirements
The minimum requirements for a North Carolina auto insurance include liability coverage and uninsured motorist coverage. For liability insurance, North Carolina requires a minimum coverage amount of $30,000 for every injured person or a total of $60,000 for the accident. Liability for property damages should have a minimum coverage amount of $25,000. For uninsured motorist bodily injury coverage, the amount should not be less than $25,000 for every injured person or a total of $60,000 for the accident. Uninsured motorist property damage coverage amount must not be less than $25,000. The basic North Carolina car insurance requirement is also known as the 30/60/35 coverage with 30/60 UM limit.
The state of North Carolina follows the tort system with regards to settling claims arising from vehicular accidents or collisions. Under the tort system, there is always someone is at fault for causing the accident. The person responsible including his or her car insurance provider will pay for the total costs of the vehicular accidents including medical bills and auto repairs.
Some Tips on How to Save on Car Insurance Costs in North Carolina
There are a number of ways you can save money on your car insurance premiums in North Carolina. Listed below are just some the ways that can show you how.
Get quotes from as many car insurance providers that you can possibly can and then compare them. By making comparisons you could easily see which car insurance company offers the lowest rate or at least the most reasonable one. This task is not as time consuming as you might think. In fact, you can finish this is in an hour or two. You simply have to use the internet to get the all car insurance quotes you want. Even better, you could buy the car insurance policy online with just a few mouse clicks.
You can consider raising your deductibles in order to lower your car insurance premiums. Even a small increase in the deductibles can cause considerable decrease in your car insurance costs. A deductible is the amount you first have to pay in the event of an accident before the car insurance company will cover the remaining costs as long as it is within the coverage amount.
If it is possible, you can also consider dropping some coverage that you no longer need or not required by the state. For example, collision coverage may no longer be need if the vehicle is already old or its resale value is less than $2,000. Dropping a coverage you no longer need will substantially reduce your car insurance costs. Just make sure you do not drop any coverage that is required by the state or you will be penalized for doing so.
It is also important to be aware of any discounts offered by the car insurance providers. It is good to ask or make inquiries about discounts in order for you to avail of them if you are qualified. You could ask your local car insurance agent or maybe check their website about the discounts they offer.The DUI or DWI Laws in North Carolina
In North Carolina, a driver could be arrested for drunk driving if his or her blood alcohol concentration (BAC) level is at .08 percent or greater. If the motorist drives a commercial vehicle the BAC level limit is .04 percent. The state has a zero tolerance policy for drunk drivers who are under the age of 21. The implied consent rule is followed in the state of North Carolina. This means that you will allow yourself to be subjected to a chemical test to check your BAC level if the police authorities suspect that you are driving while under the influence of liquor. Refusal to such test will mean the immediate suspension of your driver’s license for a period of 30 days. Afterwards, there will be a court hearing which will determine if your driver’s license should be suspended for 12 months.
The penalties and severity of punishment for drunk driving in North Carolina varies and will depend on the aggravating or mitigating factors involved.
Aggravating Factors
BAC level of .15 percent or greater
Reckless driving which cause a vehicular accident
Driving without a valid driver’s license
Has already a prior DUI or DWI conviction
Illegally passed a school bus
Driving at 30 miles per hour above the legal limit
Driving at a speed over the legal limit in attempt to escape from the police
Mitigating Factors
There is only a slight driving impairment and a test was not available
The driver has a safe and clean driving record
The BAC level is less than .09 percent
Even if impaired, the driver was not violating any other laws when caught by the authorities
The impairment was a result of taking in of a legal medicine at the prescribed dosage
The motorist has voluntarily checked in to a mental health facility in order to be assessed.
Penalties for First Time DUI or DWI Offenders in North Carolina
The driver’s license of first time offender is usually suspended for a period of 60 days.
First time offenders who refused to submit to a BAC level test will have their driver’s license suspended for a period of 1 year.
The first time offender must successfully undergo a program for alcohol abuse assessment and awareness.
The court may order the installation of an ignition interlock device on the vehicles that the first time offender owns or drives.
Depending on the presence of aggravating or mitigating factors, the first time offender faces the possibility of spending some time in jail or rendering community service.
The first time offender will pay a fine ranging from $200 up to $500.
Penalties for Second Time DUI or DWI Offenders in North Carolina
A second DUI conviction will mean the suspension of the driver’s license for a period of at least 1 year. But if the first DUI conviction occurred in less than 3 years, then the suspension period will be 4 years.
The installation of an ignition interlock device on all vehicles owned or driven will be required.
The court may order the offender to render community service for period of 24 to 72 hours.
The court may also require the second time offender to undergo an alcohol safety program.
Depending on the presence of aggravating factors the second time offender may spend some time in jail which can range from 7 days up to a year.
The Average Car Insurance Cost in North Carolina versus the National Average
The state’s average car insurance premium is around $1,221 which is lower than the national average of $1,442. The average car insurance premium in North Carolina’s major cities are also lower or almost the same as the national average.
Top Ten Vehicles Stolen In North Carolina
Honda Accord 1996 Model
Honda Civic 1995 Model
Ford F150 Pickup 1997 Model
Toyota Camry 1995 Model
Ford Explorer 1999 Model
Ford Taurus 2001 Model
Dodge Caravan 1999 Model
Chevrolet Pickup (Full Size) 1996 Model
Jeep Cherokee / Grand Cherokee 1999 Model
Ford Ranger 1998 Model
In this article below, you can learn a lot of basic information about car insurance in NC.
North Carolina Car Insurance Requirements
The minimum requirements for a North Carolina auto insurance include liability coverage and uninsured motorist coverage. For liability insurance, North Carolina requires a minimum coverage amount of $30,000 for every injured person or a total of $60,000 for the accident. Liability for property damages should have a minimum coverage amount of $25,000. For uninsured motorist bodily injury coverage, the amount should not be less than $25,000 for every injured person or a total of $60,000 for the accident. Uninsured motorist property damage coverage amount must not be less than $25,000. The basic North Carolina car insurance requirement is also known as the 30/60/35 coverage with 30/60 UM limit.
The state of North Carolina follows the tort system with regards to settling claims arising from vehicular accidents or collisions. Under the tort system, there is always someone is at fault for causing the accident. The person responsible including his or her car insurance provider will pay for the total costs of the vehicular accidents including medical bills and auto repairs.
Some Tips on How to Save on Car Insurance Costs in North Carolina
There are a number of ways you can save money on your car insurance premiums in North Carolina. Listed below are just some the ways that can show you how.
Get quotes from as many car insurance providers that you can possibly can and then compare them. By making comparisons you could easily see which car insurance company offers the lowest rate or at least the most reasonable one. This task is not as time consuming as you might think. In fact, you can finish this is in an hour or two. You simply have to use the internet to get the all car insurance quotes you want. Even better, you could buy the car insurance policy online with just a few mouse clicks.
You can consider raising your deductibles in order to lower your car insurance premiums. Even a small increase in the deductibles can cause considerable decrease in your car insurance costs. A deductible is the amount you first have to pay in the event of an accident before the car insurance company will cover the remaining costs as long as it is within the coverage amount.
If it is possible, you can also consider dropping some coverage that you no longer need or not required by the state. For example, collision coverage may no longer be need if the vehicle is already old or its resale value is less than $2,000. Dropping a coverage you no longer need will substantially reduce your car insurance costs. Just make sure you do not drop any coverage that is required by the state or you will be penalized for doing so.
It is also important to be aware of any discounts offered by the car insurance providers. It is good to ask or make inquiries about discounts in order for you to avail of them if you are qualified. You could ask your local car insurance agent or maybe check their website about the discounts they offer.The DUI or DWI Laws in North Carolina
In North Carolina, a driver could be arrested for drunk driving if his or her blood alcohol concentration (BAC) level is at .08 percent or greater. If the motorist drives a commercial vehicle the BAC level limit is .04 percent. The state has a zero tolerance policy for drunk drivers who are under the age of 21. The implied consent rule is followed in the state of North Carolina. This means that you will allow yourself to be subjected to a chemical test to check your BAC level if the police authorities suspect that you are driving while under the influence of liquor. Refusal to such test will mean the immediate suspension of your driver’s license for a period of 30 days. Afterwards, there will be a court hearing which will determine if your driver’s license should be suspended for 12 months.
The penalties and severity of punishment for drunk driving in North Carolina varies and will depend on the aggravating or mitigating factors involved.
Aggravating Factors
BAC level of .15 percent or greater
Reckless driving which cause a vehicular accident
Driving without a valid driver’s license
Has already a prior DUI or DWI conviction
Illegally passed a school bus
Driving at 30 miles per hour above the legal limit
Driving at a speed over the legal limit in attempt to escape from the police
Mitigating Factors
There is only a slight driving impairment and a test was not available
The driver has a safe and clean driving record
The BAC level is less than .09 percent
Even if impaired, the driver was not violating any other laws when caught by the authorities
The impairment was a result of taking in of a legal medicine at the prescribed dosage
The motorist has voluntarily checked in to a mental health facility in order to be assessed.
Penalties for First Time DUI or DWI Offenders in North Carolina
The driver’s license of first time offender is usually suspended for a period of 60 days.
First time offenders who refused to submit to a BAC level test will have their driver’s license suspended for a period of 1 year.
The first time offender must successfully undergo a program for alcohol abuse assessment and awareness.
The court may order the installation of an ignition interlock device on the vehicles that the first time offender owns or drives.
Depending on the presence of aggravating or mitigating factors, the first time offender faces the possibility of spending some time in jail or rendering community service.
The first time offender will pay a fine ranging from $200 up to $500.
Penalties for Second Time DUI or DWI Offenders in North Carolina
A second DUI conviction will mean the suspension of the driver’s license for a period of at least 1 year. But if the first DUI conviction occurred in less than 3 years, then the suspension period will be 4 years.
The installation of an ignition interlock device on all vehicles owned or driven will be required.
The court may order the offender to render community service for period of 24 to 72 hours.
The court may also require the second time offender to undergo an alcohol safety program.
Depending on the presence of aggravating factors the second time offender may spend some time in jail which can range from 7 days up to a year.
The Average Car Insurance Cost in North Carolina versus the National Average
The state’s average car insurance premium is around $1,221 which is lower than the national average of $1,442. The average car insurance premium in North Carolina’s major cities are also lower or almost the same as the national average.
Top Ten Vehicles Stolen In North Carolina
Honda Accord 1996 Model
Honda Civic 1995 Model
Ford F150 Pickup 1997 Model
Toyota Camry 1995 Model
Ford Explorer 1999 Model
Ford Taurus 2001 Model
Dodge Caravan 1999 Model
Chevrolet Pickup (Full Size) 1996 Model
Jeep Cherokee / Grand Cherokee 1999 Model
Ford Ranger 1998 Model
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