subject: North Carolina Auto Insurance Options For Lower Rates
[print this page] Do you need North Carolina auto insurance? As you know you have to have proof of liability insurance in order to drive legally on the road. If you allow your insurance to lapse you risk having your registration cancelled.
So you do not want any problems with your driving privilege. This is a privilege it is not a right. This is why the government can pass a lot of laws requiring you to adhere to their rules if you want to be able to legally drive on the road.
Of course these rules benefit everyone in the long run. Just think that if you are involved in a car accident and the driver at fault has no insurance. In this case you will be glad that you have uninsured motorist coverage. Yes this will cost you more in your insurance premium but it is worth the extra money.
There are some ways you can reduce your insurance coverage though. If you have a health plan that covers your hospital bill then you might want to remove this coverage from your auto insurance.
You might not have to pay twice for the same type of insurance. You can also contact your insurance company to see what kinds of discounts they have for families with teenagers with high grades in high school.
If your kids who are of legal driving age have good grade point averages they might qualify for lower rates. If you are driving less then you might be eligible for a lower rate. Speak with your insurance agent about this possible discount.
Many people have lost one income source and cannot afford a large down payment on their insurance. Look for a company where you can make monthly payments rather than putting out a large chunk of money to start your coverage.
Some companies will also give you a better rate if you insure both our autos and your home. If you have one company insuring your home and one company insuring your cars then call both companies and ask if you can get a better rate if you moved your car or your home insurance to their company.
In these days of economic challenge it makes sense to find the least expensive auto insurance possible. And if you are happy with your current company you can always try to find out if there are new discounts you are not aware of.
by: Ted Iddings
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