Auto Insurance

When selecting auto insurance coverage in North Carolina, determining the appropriate amount depends on several factors. While the state mandates specific minimum requirements, your agent may recommend higher coverage limits to ensure adequate protection.

Contact Eastern Carolina Insurance Services in North Carolina, to evaluate your car insurance options.

How Much Auto Insurance Do I Need?

In North Carolina, the minimum auto insurance coverage requirements include the following:

• Bodily injury liability may help cover injuries caused to others in an accident where you are at fault.
• Property damage liability may help cover damage caused to another person’s property where you are at fault.
• Uninsured/underinsured motorist coverage may help pay for your damages if you are involved in an accident with an uninsured driver or someone with inadequate liability coverage. It may also help cover your damages if you are the victim of a hit-and-run accident.

The minimum legal requirements may not be sufficient to cover all expenses in the event of a significant accident. Assess your circumstances and consider additional coverage options such as collision coverage, comprehensive coverage, and guaranteed asset protection (GAP) insurance to protect yourself from potential financial hardships.

Adding a Teen Driver to Your Auto Policy 

Adding a teen driver to your auto insurance policy is an essential step in ensuring their safety and compliance with North Carolina laws. Here’s a general guide on how to navigate this process:

• Inform your insurance provider of the new teen driver when they receive their driver’s license. This will allow the insurer to update your policy accordingly.
• Your insurance provider will likely require specific details about the teen driver, such as their full name, date of birth, and driver’s license number.
• Discuss any changes necessary to your coverage to protect the new driver adequately. This may involve adjusting liability limits, adding collision coverage or considering an umbrella policy for additional protection.
• Ask your insurance provider about potential discounts for teen drivers, such as good student discounts or completion of driver’s education courses.
• Emphasize the importance of responsible driving to your teen driver. Safe driving practices help maintain a clean driving record and contribute to lower insurance premiums over time.

Contact Us

Auto insurance in North Carolina requires careful consideration of coverage needs, compliance with state requirements and responsible driving practices. Contact the car insurance experts at Eastern Carolina Insurance Services today to build your customized coverage and compare auto insurance quotes.