Insurance is a complex issue, and it is the responsibility of the North Carolina Department of Insurance to keep consumers informed. This booklet will help explain the basic automobile insurance coverages, discuss factors that influence your rates, describe what is.
Car insurance is affordable in North Carolina. The average car insurance premium in North Carolina is $865 per year — less than the nationwide average by 39.4%.Your car insurance rates are dictated by factors other than state lines. Auto insurance rates price based on myriad factors, such as your age, gender, marital status, credit, and driving history.We examined mean North Carolina car insurance rates by all of the major rating factors. Read on to learn how much car insurance runs in each US state — or enter your zip code to receive personalized prices from top car insurance companies. Average Car Insurance Prices in North Carolina by CreditCar insurance companies use credit score to predict how reliable a customer will be. Trended data show drivers who carry exceptional credit are usually more insurable car insurance clients: they less commonly file claims covered by insurance companies.In the state of North Carolina, a driver with excellent credit can save $171.49 per year in car insurance premiums, contrasted with a driver with a less-favorable credit score.
Read more about how credit score may impact auto insurance costs. Average Car Insurance Prices for High-Risk Drivers in North CarolinaIf you’re determined to be at fault in an accident or convicted of a vehicular violation, your insurance rates are bound to grow. The more infractions you amass, the more costly your auto insurance gets.In North Carolina, your first minor at-fault crash results in an additional $311.77 annually in auto insurance premiums. A DUI — among the most serious driving infractions — will lift your yearly insurance rates in North Carolina by an average of $792.25.
Whenever I talk to you about your North Carolina car insurance my first concern is to get you the right coverage. The second is the right client experience. The third is to save money on your car insurance.Let’s discuss some of the strategies we use to do this!
Ready?Let’s go!:Often times, these three items are in the opposite order. People want to save money, get good customer service (it’s key to realize there’s a difference between customer service and a client experience), and then the right coverage. That’s typically how the general public views insurance.I don’t want to be the guy that only cares about getting you the cheapest price on your, and/or getting another policy under my belt, and then crossing my fingers, toes, and any other body parts, hoping that you don’t have a claim without having the right coverage.Okay soapbox rant over. How to save you money on your North Carolina car insurance quotes: 1.