Car Insurance in Fayetteville, NC
Experts break down car insurance costs, coverage, companies, and more in Fayetteville, NC .
With over 200,000 residents, Fayetteville is the sixth-largest city in North Carolina. The city is home to Fort Bragg, as well as numerous defense contractors, corporations, and cultural attractions.
The roads in Fayetteville can get busy and dangerous. Accidents can happen anytime, anywhere, and to anyone. Fortunately, a dependable auto insurance policy can shield Fayetteville drivers from the costs associated with vehicle collisions.
A local independent insurance agent can help you get quotes for the best car insurance in Fayetteville, NC.
How Much Does Car Insurance Cost in Fayetteville, NC?
North Carolina is the 44th most expensive state for car insurance. Car insurance rates in Fayetteville are higher than both the state and national averages.
- National average annual car insurance cost: $1,311
- North Carolina average annual car insurance cost: $986
- Fayetteville average annual car insurance cost: $1,645
Car insurance in Fayetteville can be expensive, but if you shop around, you might find rates that are a better fit for your budget.
Car insurance rates are based on your personal characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day.
Insurance companies also consider a variety of other risk factors, such as your age, gender, and driving history. And the type of car you drive is one of the biggest factors used to determine your car insurance premium. If you drive a fancy sports car, expect to pay more than your neighbor who drives a four-door sedan.
With the help of a local independent insurance agent, you can review quotes from multiple insurance companies to be sure you are getting the best deal.
Is Car Insurance Required in Fayetteville, NC?
If you own a vehicle in North Carolina, you are required to purchase auto insurance. You must have the following coverage—at a minimum—in order to comply with the law:
- Bodily injury liability: Required
- Property damage liability: Required
- Personal injury protection (PIP): Not required
- Uninsured/underinsured motorist coverage: Required
- Minimum liability limits: 30/60/25; coverage up to $30,000 for all persons injured in an accident, subject to a limit of $60,000 for one individual; and $25,000 coverage for property damage
Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.
Although liability coverage is mandatory, it’s a good idea to carry higher liability coverage limits and additional risk protections that extend to you and your vehicle.
The state also requires you to carry uninsured and underinsured motorist coverage. Here’s what they do for you:
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or by a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have, but does not.
- Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
An independent insurance agent can help determine how much liability coverage is necessary to adequately protect you and your family.
What Does Car Insurance Cover in Fayetteville, NC?
Your state-mandated liability insurance protects other people and their property if you’re at fault in an accident.
Bodily injury liability: Coverage provides protection if you injure or kill someone else while driving your car. It protects you against an injured party’s claims for damage, including medical expenses, lost wages, and pain and suffering. It also provides for your legal defense fees if another party involved in the accident sues you.
Property damage liability: Coverage pays for any damage that you cause to the property of others (e.g., another’s driver’s car) and for your legal defense if you are sued.
In addition to the coverage required by law, there are several optional types of coverage that you can choose from, depending on your needs and your budget. These include:
- Collision coverage: Protection for physical damage to your vehicle when it hits or is hit by another vehicle or object.
- Comprehensive coverage: Pays for losses from almost all other types of damage to your vehicle other than that resulting from a collision, such as theft, fire, vandalism, weather, birds or animals, glass breakage, and so on.
- Medical payments coverage: (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
- Roadside assistance coverage (or towing and labor coverage): Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides for payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent can help you decide which types of coverage offer the best protection for your needs.
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Why Do You Need Car Insurance in Fayetteville, NC?
There are many reasons to purchase car insurance in North Carolina, the first of which is that state law requires certain types of insurance.
The second most important reason to have car insurance is that there are a lot of dangers out on the road, and even while your car is parked at home or at work. While your state-mandated liability insurance protects other drivers if you cause an accident, your other coverage provides financial recourse when your own car is damaged, stolen, or vandalized by someone (or something) else.
Uninsured motorist coverage, for example, protects you if you’re in an accident with an uninsured driver. Driving without insurance is against the law in North Dakota, yet many drivers continue to drive without coverage. In fact, more than 6% of drivers in North Carolina are uninsured.
Other types of coverage, like comprehensive and collision coverage, help you pay for damage to your vehicle after a collision, a theft, or some other type of covered damage. Car thefts, for example, can be a problem in Fayetteville:
- National auto theft rate per 1,000 vehicles: 2.3
- North Carolina auto theft rate per 1,000 vehicles: 1.7
- Fayetteville auto theft rate per 1,000 vehicles: 4.4
The comprehensive portion of your car insurance policy reimburses you for your losses after a vehicle theft or a break-in.
What Are the Best Car Insurance Companies in Fayetteville, NC?
It can be simple to find the best car insurance companies in Fayetteville. A local independent insurance agent can help you get car insurance quotes from multiple insurance companies, so you can select the best policy for your needs and budget.
How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in Fayetteville, NC?
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety car insurance quotes in Fayetteville, so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Contact an agent today for a free, no-obligation consultation.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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