North Carolina Cheap Car Insurance Quotes Online: Mandatory Coverage
While mandatory coverage in North Carolina is not the highest in the nation, it does have higher limits than most other states. Vehicle owners must carry liability limits of $30,000 bodily injury per person; $60,000 bodily injury per accident; and $25,000 property damage per accident. While these limits are considered high when compared to other states, professionals in the industry will attest that they are actually rather low. Recommendations are for $100,000 bodily injury per person; $300,000 bodily injury per accident; and $100,000 property damage per accident.
Other mandatory overage in the state is uninsured motorist coverage. The state has an estimated 13.5% of its drivers uninsured, making it the 23rd highest ranking state for uninsured drivers. If Uninsured Motorist coverage amounts are higher than the minimum $30,000 per person and $60,000 per accident, UIM becomes mandatory.
North Carolina Cheap Car Insurance Quotes Online: Recommended Coverage
In addition to these forms of coverage, drivers should also carry PIP or personal injury protection coverage. While not mandatory in the state, this valuable coverage protects you and your passengers in case of bodily injury.
Personal property damage protection for your vehicle is also suggested if your vehicle has a significant value or you would have a hard time financially replacing your vehicle. If your car is financed your lender will actually require you to carry collision and comprehensive coverage which together make up personal property damage protection. Collision covers repairs and replacement caused by at-fault accidents. Comprehensive covers repairs and replacement from incidents of theft, fire, vandalism or other specific risks.
You may also want to consider roadside assistance coverage such as towing and labor costs, as well as rental car coverage. These are very convenient to carry if your vehicle is unable to run. Check that you are not already paying for such coverage through a premium credit card or an auto club membership.
