Auto Insurance in Raleigh, NC
Angier, Apex, Carrboro, Cary, Chapel Hill, Clayton, Durham, Franklinton, Fuquay-Varina, Garner, Henderson, Hillsborough, Holly Springs, Knightdale, Louisburg , Mebane, Morrisville, Pittsboro, Raleigh, Rolesville, Selma, Smithfield, Wake Forest, Willow Springs, Zebulon
and all surrounding areas
The best way to maintain your great discount is to maintain your high credit score. Your credit score impacts your premium just as much as your driving history.
However, specializing in finding you the right auto insurance to fit your life style and budget. Free quotes for everyone. We can get you the auto insurance documentation you need to keep you driving legally in NC. Documents such as, DL-123, FS-1, FS-4, SR22, and non-owners operators policies.
Car Insurance Coverage
Liability insurance covers you while you drive your car. If you are in an accident your liability insurance will pay for the other parties damages and injuries. You may have heard the terms physical damage also known as PD and bodily injury also known as BI
State minimum for auto liability insurance coverage in North Carolina starts at $30/$60/$25. This means $30,000 per person in the accident, $60,000 total per accident for bodily injury (BI), and $25,000 total for property damage (PD) for the accident.
Deductibles and Full Coverage Insurance
If your car is being financed by a financial institution; for instance, a bank you will need to get physical damage (PD) insurance also known as full coverage insurance for your vehicle. Physical damage insurance includes collision and other than collision, also known as comprehensive coverage. When full coverage insurance is purchased you will need to decide how much of a deductible you will need. For example, deductibles run as low as $0 per accident to as much as $1,000 per accident. Lowering your deductible could possibly result in a higher auto insurance premium; and the higher your deductible the lower your auto insurance premium will be.
Helping you determine what deductibles you should choose based on how much you can afford because our goal is to save you as much money as possible. However, keep in mind that industry standard is $500 deductible. Another thing to consider is what requirements your finance company may have regarding your deductible. Often times, the bank have preset limits for your deductible and may not allow you to choose a higher limit.
A $500.00 deductible means that when you are in an accident you pay the first $500.00 toward the property damage, and then the insurance will pay the rest. For instance, if it cost $3,500.00 to repair your car, you will pay $500.00; and then insurance company will pay $3,000.00.
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