Last Updated: 20 January, 2022
Does a car need insurance to be registered? Before you may register your car, you must have third-party insurance. Third-party insurance, commonly known as a green slip, pays out compensation to other individuals harmed in an accident caused by you or the person driving your car, and in some cases, regardless of who is at blame.
There are plenty of insurance providers in North Carolina. Hence, finding a car policy isn’t the challenge. The challenge is to find the auto car insurance in North Carolina that perfectly fits your need. It’s easier said than done. Therefore, here’s a guide that’ll come in handy for you to determine the best policy.
How to Go About Shopping Auto Car Insurance in North Carolina?
Understand what you want
First of all, you need to know what you want before you go shopping. If you have a car that you use for personal use, you need a personal car policy. Also, if you use your vehicle for commercial activities, you need commercial car insurance. If you’re using your car for ride sharing, a ride sharing policy is suitable.
Familiarize with North Carolina’s requirement
There’s a certain level of auto liability requirement set by the state. You need to familiarize yourself with those requirements. As per the North Carolina Department of Motor Vehicles (NCDMV), every motorist has to get the following coverage:
- Per person bodily injury liability limit of $30,000
- Total bodily injury liability limit of $60,000
- Property damage limit of $25,000.
Calculate the coverage amount you need
One of the trickiest parts while getting a car policy is deciding the right amount of coverage. To do that, you need to understand the elements of your car policy. You can get coverage for liability, property damage, personal injury protection, uninsured or under insured motorist, collision, comprehensive, and many more.
Run through every element to decide the amount of coverage you need from your insurance. Bear in mind – the more coverage you take, the greater your premium will be. On the flip side, inadequate coverage exposes you to uncertain financial situations.
Likewise, you might also want to learn are car insurance companies open 24/7?
Dig deep into insurers’ websites, read blogs, customer experiences, and get quotes to understand the different deals of insurance. Also, make sure that you have the knowledge to deal with an insurance carrier. While requesting quotes, insurance providers will ask for a few basic information such as:
- Your personal details and contact information
- The details of the vehicle you want to insure
- Location of your garage and where you live
- Driver license for all drivers
Filter the alternatives and select the ONE
After you get quotes, identify the top 3 potential insurers for your car policy. One mistake that many make is that they overly emphasize the price while overlooking the companies’ coverage, reliability, and service quality. While the price is one of the influential factors for your car insurance decision, keeping your cost low isn’t why you’re purchasing the insurance.
Therefore, select the option that blends well with your needs – that’s to say, they should cover your risks. Additionally, dig a little deeper and gather information regarding their reputation in the market.
To get started with your insurance shopping, get a quote from various auto car insurance companies in North Carolina.
You may also contact an independent insurance brokerage or an insurance agent brokerage firm. You should also be mindful of how insurance providers selling insurance like auto insurance and cybersecurity insurance.
Frequently Asked Questions
In North Carolina, can you register a car without insurance?
All automobiles titled and registered in North Carolina are required by law to have continuous liability insurance (supplied by a North Carolina-licensed carrier). It is necessary prior to the issuance of a car title.
Is it possible to register an automobile but not insure it?
The majority of the time, the answer is no. The DMV (Department of Motor Vehicles) will often want evidence of insurance for the exact car you wish to register. This insurance must fulfill the state’s minimum coverage requirements.
In North Carolina, what kind of insurance is needed by law?
North Carolina Motor Vehicle Law mandates that Automobile Liability coverage be maintained on a continual basis. The minimum coverage requirements are $30,000 for bodily injury per person, $60,000 for total bodily injury for all people involved in an accident, and $25,000 for property damage.
In North Carolina, does insurance accompany the vehicle or the driver?
North Carolina auto insurance policies follow the vehicle rather than the driver. So, if someone driving a friend’s automobile has an accident and injures someone else, the first step is to follow the policy of the car’s owner.