North Carolina auto insurance

Helpful Tips to Avoid Uninsured/Underinsured Motorists Owning and operating a vehicle in North Carolina requires you to carry auto liability insurance, as mandated by the state. While this law sounds good in theory, the reality is different. Just because insurance is required doesn't mean every driver on the road is insured, or that those who are have adequate coverage. Here are some helpful tips to avoid the risks posed by uninsured and underinsured drivers. The Minimum Limits of Liability for North Carolina Drivers In North Carolina, the minimum required limits for auto insurance are 30/60/25. These limits are listed on the Declarations Page of your policy and indicate how much your insurance carrier is obligated to pay [...]

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium North Carolina requires vehicle owners to carry at least the state-mandated minimum limits of liability auto insurance. However, finding affordable coverage might be more challenging than expected due to your insurance score. Before shopping for the best N.C. auto insurance rate, it’s important to understand how your insurance score can affect your premium. What Is an Insurance Score vs. a Credit Score? Many people confuse these two terms, but they have distinct meanings. Both can impact your N.C. insurance premium rates, but an insurance score predicts the likelihood of future claims or accidents, assigning a risk factor to you. In contrast, a credit score reflects [...]

Unmarried Couples Living Together and How It May Affect Their Auto Insurance  The number of unmarried couples living together continues to rise, potentially saving individuals money initially. However, what many don't realize is that these couples may face lawsuits or denied auto insurance coverage. Such risks could be financially overwhelming. Learn more about the impact of unmarried cohabitation on auto insurance. A standard N.C. auto insurance policy specifically states that insurance follows the car and not the driver.  For instance, if you permit your friend (who resides separately) to drive your car while her car is undergoing repairs and she causes an accident, the insurance on your car is deemed primary. Keep in mind two [...]