Auto insurance is a necessity in the state of North Carolina. If you are going to have a car on the road, it’s important to have the right auto insurance to protect you and your car.

There are various coverages that you can get, though the state requires a minimum for you to cover no matter what. You will need to have a minimum for personal liability as well as vehicle liability per accident. This means that there are certain amounts that will cover any damage to your car as well as injuries that may be sustained by you or drivers/passengers of any car that you may hit.

It’s important to understand that North Carolina is an “at fault” state, which means that someone is found at fault for an accident and it is that person that bears the insurance responsibilities for all aspects of the accident. This can lead to more expensive car insurance, so it is important to know how to impact the insurance costs.

Such factors involve:

– Type of vehicle

– Safety record

– Age of driver

– ZIP code

You can choose to obtain the minimum auto insurance in the state or you can get more, which can help you to keep costs out of pocket low if you are involved in an accident. Other things to consider include the deductible amount that you have to pay after being in an accident as well as comprehensive insurance. Comprehensive auto insurance covers all of the non-moving incidents, such as a pebble to the windshield, hail damage, or even a rogue shopping cart.

Auto insurance should be obtained the moment that you have a car, truck or SUV and you will need to show proof of insurance at the auto dealership as well as any time that you are pulled over. It is an expense that you will have to incur if you wish to drive throughout the state, though it doesn’t have to be overly expensive.

L&L insurance can help to find an auto insurance policy that provides you with the level of coverage that you need.