Even the most experienced drivers can sometimes find themselves involved in accidents. That is why North Carolina vehicle owners are required to have auto insurance. From fender benders on Biltmore Avenue to multi-car collisions on I-40, a reliable car insurance policy can shield you from facing a large financial loss in the wake of a collision.
Finding the best auto insurance is easy when you work with an independent insurance agent in Asheville. These agents can provide you with a variety of customized car insurance quotes so you can be sure you are purchasing a competitively priced policy. Contact an insurance agent near you to learn more.
You may be happy to learn that the average car insurance rate in this state is significantly lower than the national average, and in Asheville, the average cost is even lower.
Of course, the figures above can only give you a basic idea of how much you might be expected to pay. Car insurance costs vary significantly from one driver to the next because they are calculated on a case-by-case basis according to several factors. Some things that can influence your cost include:
Each insurance company has a different way of calculating rates. Comparison shopping can therefore save you a lot of money. An insurance agent in Asheville can help you easily obtain and compare car insurance quotes from a variety of highly rated insurers.
Every state has its own auto insurance requirements. In the state of North Carolina, your car insurance policy must include, at a minimum, the following:
A policy that simply meets the minimum requirements may be your least expensive option, but it is not necessarily the best choice. If you cause a major accident that involves significant injuries, the resultant cost can easily exceed what a minimum coverage policy will cover. In that case you would be responsible for making up the difference.
That is why many Asheville vehicle owners choose to purchase car insurance with higher liability insurance limits than the state requires. Some people also purchase an umbrella insurance policy to boost their liability coverage even higher. Your independent agent can help you find the liability coverage you want at a price you can afford.
Your car insurance policy will also offer a variety of coverage options that are not required by law, though some of which may be required by lenders if you have an auto loan. These include:
Talk to a local independent insurance agent to learn more about these coverage options.
The auto theft rate in Asheville is higher than the state rate, but lower than the national rate. There are 250 cars stolen in this city in a typical year.
It is important that you are aware that you cannot be compensated for an auto theft unless your policy includes comprehensive, or “other than collision,” insurance. This insurance is optional, but most lenders will require you to carry it until your auto loan is paid in full.
Vehicle owners in Asheville can turn to a local independent agent for help when they are searching for the right auto insurance. These agents are free to work with a variety of insurance providers to help this city’s drivers find the most reliable and affordable policies.
Find an insurance agent in or near Asheville to learn more. You can start comparing customized car insurance quotes in no time.