Is it possible to get cheap car insurance in NC if your driving record is less than perfect? Your car is included on this year’s list of cars most at threat for being stolen. Actually, it is possible. While your North Carolina car insurance company may not be throwing discounts at you left and right, you can still find a way to get cheap car insurance.
Apart from taking advantage of discounts offered by car insurance companies, the simplest way to get cheap car insurance is by buying only the minimum needs.
North Carolina’s minimum car insurance needs are US$25,000 for coverage of property damage; US$30,000 for coverage of the bodily injury of one person; and US$60,000 for coverage of the bodily injury of two or more persons.
So, how do you know if purchasing the state’s minimum car insurance needs is the right choice for you to get cheap car insurance in NC?
If your car is completely paid for, you may consider buying the minimum car insurance requirements in NC. If you borrowed money to purchase your car, your lender will most likely need you to buy full coverage car insurance in NC; however, once your car is completely paid for and only in your name, you are free to put any kind of car insurance on it you want. This means you can buy the minimum car insurance requirements for the state.
Another instance in which you may want to buy the minimum car insurance requirements in NC is if you are a student, or you are just entering the workforce. Students spend most of their time in class or studying, so finding a job that will pay high car insurance premiums is difficult. People, who have just entered the workforce, are trying to get on their feet and want settled. Once students graduate and once new employees get on their feet, more car insurance can be purchased.
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