Find the Best Auto Insurance in North Carolina

The great thing about car insurance is that you can pick and choose your coverage depending on your priorities. First, we’ll explore the main buckets of coverage that you’ll encounter, and then we’ll show you optional coverage that can help you personalize your policy to you. 

Here are the main coverage options when it comes to car insurance in North Carolina:

• Bodily Injury Liability: If you cause an accident, this covers the other driver’s medical costs. It also helps cover your legal fees if they sue you.
• Property Damage Liability: If you cause damage to someone’s property while driving, this helps cover those costs.
• Collision: If you collide with another vehicle or stationary object, this helps to repair or replace your vehicle.
• Comprehensive: If your vehicle is damaged from something other than a vehicle collision, like weather, colliding with an animal, theft or vandalism, and more, this helps cover costs to repair or replace your vehicle.
• Uninsured/Underinsured Motorist: If you are involved in an accident with someone who doesn’t have car insurance or doesn’t have enough to cover the damage, this covers the gap. It also protects you in the case of hit-and-runs. 
• Medical Payments: If you’re involved in an accident, your bodily injury coverage pays for the other driver’s medical costs, but not yours. MedPay helps cover yours and your passengers’ medical costs. 

But that’s not all. You can pick and choose from the above, as long as you’re meeting state minimum requirements, and then add even more coverage to your main policy. This helps customize your policy to your budget, vehicle needs, and priorities. 

Some added coverage options include:

• Roadside Assistance: Being stranded on the side of the road is no fun. Roadside assistance covers the towing to a nearby repair shop, and often minor roadside fixes too like flat tires. 
• Gap: If your vehicle is leased or financed and becomes totalled, this coverage protects you from paying the amount you still owe on the vehicle.
• Ride Sharing: If you use your vehicle for ride sharing services like Lyft or Uber, you’ll need this special coverage. 
• Rental Car Reimbursement: If your vehicle is being repaired, this covers you for the cost of a rental car until it’s fixed.
• New Car Replacement: If your new vehicle is totalled and it’s less than two years old, this coverage would get you a new vehicle rather than a check for your car’s depreciated value. 
• Accident Forgiveness: This prevents your premiums from increasing after your first accident. 

These are just some of the options available to you. Many insurers offer varying versions of these, and some might offer fewer or more options. Deciding what’s important to you will be an important part of building the right car insurance policy for you and your ride.