East Coast Auto Insurance offers top rated North Carolina auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
The only acceptable means of ‘proof of financial responsibility’ in the state of North Carolina is a liability insurance policy.
The state requires the following minimums:
- $30,000 bodily injury for one person, per accident
- $60,000 bodily injury for two or more persons, per accident
- $25,000 property damage
Since North Carolina is governed by traditional ‘tort’ laws, should you be found to be ‘at fault’ in an accident, you will be responsible to reimburse the other party for all sorts of expenses incurred.
The state minimum, as outlined above will by no means provide adequate coverage for all costs associated with an accident.
What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?
In the state of North Carolina, auto insurance companies can use your credit history to determine rates and offers for products. Auto insurance companies do not use Personal Credit History alone to figure rates. They may also consider age, gender, where you live, car make and model, how much you drive, and prior insurance coverage.
Is the state a No Fault or Tort state? What does either mean to the policy owner?
North Carolina follows a Tort System. What this means is, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages. Damages are usually handled through the at-fault person’s insurance company. Because North Carolina is a Tort state, most insurance companies recommend that driver’s consider carrying higher coverages than the state minimums.
What is the average auto insurance premium in this state? As of what year?
As of 2006, North Carolina resident’s average insurance premium was approximately $596, the 44th most expensive in the nation. This was down 1.0% from the previous year. The national average was $817.
Our agents, at East Coast Auto will review each individual’s financial situation and recommend appropriate limits to insure you and your assets are fully protected.
In addition we will provide quotes for personal injury protection, collision, comprehensive, uninsured/underinsured motorists, as well as umbrella – all at affordable rates.
North Carolina has a zero tolerance policy for individuals under the age of 21 and commercial vehicle drivers are considered legally drunk if they have a blood alcohol content level of 0.04%. This doesn’t mean that adults and non- commercial drivers have it any easier. If you get caught driving under the influence in the state of North Carolina, it could cost you thousands of dollars in fines, license suspension, and even jail time.
The state of North Carolina has one of the youngest starting ages for drivers in the country, but it also has one of the longest holding periods for learners licenses in the nation. This is all a part of North Carolina’s Graduated Driver Licensing program –a program that has helped reduce the state’s number of teen auto accidents and fatalities.
Just give us a call 888-206-0565
We place coverage with the top rates insurance companies, such as:
21st Century Liberty Mutual
AARP Nationwide
AIG Progressive
Allstate State Farm
Esurance Travelers
Geico Zurich
Kemper