Requirements for Coverage in Charlotte
If you are a resident of Charlotte, NC and own a motor vehicle, having liability coverage is a requirement. This provides protection if you are involved in an auto accident and are determined to be at fault because you could be liable for bodily injury or property damage attributable to that accident.
With Charlotte’s car insurance falling under the legal requirements instituted by the state of North Carolina, the minimum requirement for Bodily Injury Liability is $30,000, Property Damage Liability is $25,000, Uninsured Motorist Bodily Injury is $30,000, and Uninsured Motorist Property Damage is $25,000.
Charlotte Facts Pertaining to Auto Insurance
Residents of Charlotte spend an average of 25.1 minutes of travel time driving to work. Seventy-five fatal car crashes occurred in Charlotte in 2007 with 184 people and 117 vehicles involved in these crashes. Most of the cars involved had an average speed of 45 MPH. There were about 6,018 auto thefts in the city of Charlotte and the surrounding areas in 2007. These stolen vehicles included the 1996 Ford Ranger, 2000 Chevrolet Full Size CK 1500 Pickup, 1994 Dodge Caravan, 2001 Ford Taurus, 2002 Ford Explorer, 1993 Toyota Camry, 1996 Jeep Cherokee/Grand Cherokee, 1997 Ford F150 Series, 1995 Honda Civic and the #1 stolen vehicle was the 1996 Honda Accord.
So if you’re shopping around for a new vehicle, avoid buying a car with a high theft rate so you can get a lower car insurance premium rate. Now take a few minutes to think about other ways you can lower your insurance premium and stay safe by doing a few simple tasks such as adding seat belts and air bags in your car, taking a driving course and practicing safe driving habits on all highways.
Avoid Costly Mistakes by Learning about Online Insurance Quotes
There are many auto insurance companies located in Charlotte, NC that probably have just what you need. But since you are on the Internet most of the time, you’ve decided to just shop around on the Web and compare quotes with multiple insurers to find cheap car insurance in North Carolina. But before you start, there are a few things you may want to know about cheap insurance quotes online. If you love to bargain, do extensive research and compare insurance quotes available until you find the right one for your needs. Take your time when filling out the online form for your quotes and provide all the information asked. This will assure you of receiving the lowest quote available and may even qualify you for a discount.
Many auto insurance companies offer low mileage discounts to those who travel an average of 50 miles a day. You and your spouse may qualify for a cheaper insurance quote by insuring the female on the heavy vehicle and male on the lighter one. A provider that knows you are serious about protecting your vehicle will provide you with cheaper quotes. So be sure you have anti-theft devices in your automobile, along with proper seat belts and airbags.
If you are determined to find cheap auto insurance in Charlotte, North Carolina, search for a website that offers comparisons of various insurance companies so you can get a quote from many different sources. Remember, it only takes a few minutes and it will be well worth it with the time and money you can save.