Even the most experienced drivers can sometimes find themselves in vehicle accidents. That is why vehicle owners in Rocky Mount are required by state law to have auto insurance. From fender benders on Sunset Avenue to multi-car collisions on Wesleyan Boulevard, a reliable car insurance policy can shield you from facing a large financial loss in the wake of a collision. Finding the best insurance is easy when you work with a local independent insurance agent. One of the many agents in Rocky Mount can provide you with a variety of customized car insurance quotes so you can be sure you are purchasing a competitively priced policy. Find an insurance agent near you to get started.
How Much Does Car Insurance Cost in Rocky Mount, NC?
North Carolina is one of the least expensive states for car insurance. In Rocky Mount, the average cost for coverage is only slightly higher than the state average. By shopping around for rates, you can find coverage at a great price.
- National average annual car insurance cost: $1,311
- North Carolina average annual car insurance cost: $986
- Rocky Mount Average Annual Car Insurance Cost: $1,067
Car insurance costs can vary significantly from one driver to the next because they are calculated on a case-by-case basis according to several different considerations. You should therefore not be surprised if your quote is significantly higher or lower than this average. Examples of some of the many factors that can influence your cost include:
- The year, make, model, and of your vehicle
- Your age, gender, occupation, driving history, and credit score
- The estimated number of miles you drive each year
- The accident and auto theft rates in the vicinity of your home
- Whether you are bundling your coverage with another policy like homeowners insurance or renters insurance
Each insurance company has a different method for calculating rates, so it pays to comparison shop. An independent agent in Rocky Mount can help you easily obtain and review customized car insurance quotes from a selection of highly-rated insurers.
How Much Car Insurance Is Required of Rocky Mount Drivers?
As a resident of North Carolina, your car insurance policy must include, at a minimum, the following:
- Liability insurance: This covers damage and injuries you may cause to other drivers if you are responsible for a collision.
- Bodily injury liability: You must have a minimum of $30,000 per person and $60,000 per accident of bodily injury liability coverage.
- Property damage liability: You must have a minimum of $25,000 of property damage coverage.
- Uninsured motorist coverage: This covers damage and injuries sustained by you and your passengers if you are in a collision caused by an uninsured driver.
A minimum-coverage policy may be your least expensive option, but it is not necessarily the best choice. While North Carolina’s requirements are high enough to cover you for most minor collisions, a major accident — especially one that results in significant injuries —can easily exceed what a minimum coverage policy will cover. That is why many Rocky Mount residents choose to purchase car insurance with higher liability insurance limits than North Carolina requires. Some also purchase umbrella insurance in order to get even more liability coverage. Your independent agent can help you find the liability coverage you need at a price you can afford.
What Else Can Rocky Mount Car Insurance Cover?
In addition to the liability insurance and uninsured motorist coverage required by the state, your car insurance company will offer a variety of coverage options for you to choose from. These include:
Coverage for damage to your vehicle:
If another driver caused damage to your vehicle, that person is responsible for covering your repair costs. But what if you caused the collision? Or what if an uprooted tree fell on your car? The only way you can get reimbursement for repairing or replacing your own car is through comprehensive and collision coverage. These coverage options are typically required by lenders if you are still paying for your car and by dealerships if you are leasing. Collision insurance covers collision-related damage, even it if was your fault. Comprehensive insurance covers non-collision damage such as if your vehicle is stolen or swept away by floodwaters.
Coverage for injuries to you or your passengers:
If you or your passengers are injured in a collision that was caused by someone else, that person is responsible for covering your medical bills, but what if you were at fault? Many health insurance companies will not cover injuries sustained in vehicle accidents. By adding personal injury protection (PIP) to your car insurance policy, you can get coverage for any necessary medical treatment following an accident, regardless of fault
Coverage for roadside emergencies:
What if you run out of gas while out on the highway? Or what if your engine overheats and you can’t get your car started back up? Many car insurance providers offer towing and roadside assistance coverage. That way, all you need to do is make a phone call and covered help will be on the way.
Coverage for rental cars when your vehicle is out of commission:
If your car is being repaired following a covered event, how will you get to work or to the grocery store? When you have rental car reimbursement coverage, you will not need to worry about the added cost of renting a comparable vehicle during this time, because it will be covered.
How Uninsured Motorist Insurance Protects Rocky Mount Drivers
In North Carolina, driving without insurance is classified as a Class 1 misdemeanor. If caught, you are likely to be fined and placed on probation. Repeat offenders can also face jail time. Despite this, nearly one in ten drivers in this state are driving around in an uninsured vehicle.
- How many US drivers are uninsured? 12.6%
- How many North Carolina drivers are uninsured? 9.1%
Most states do not require uninsured motorist insurance, but North Carolina does. This insurance can prove extremely beneficial if you are in a collision that was caused by an uninsured, underinsured, or hit-and-run driver. If you did not have this coverage, you would need to take the at-fault driver to court in an attempt to get reimbursed for your losses. In many cases, collecting the money owed to you can be extremely difficult, if not impossible. Uninsured motorist insurance protects you by covering your losses upfront. Your insurance company will then take on the task of collecting what is owed by the offending driver and will absorb the costs if they are unsuccessful.
Can Rocky Mouth Car Insurance Cover against Vehicle Theft?
The auto theft rate in North Carolina is lower than the national average, and in Rocky Mount, the rate is even lower. This is not to say that the risk does not exist. Around100 cars are reported stolen in this city in a typical year.
- National auto theft rate per 1,000 vehicles: 2.94
- North Carolina auto theft rate per 1,000 vehicles: 2.12
- Rocky Mount auto theft rate per 1,000 vehicles: 1.36
Fortunately, as long as your car insurance policy includes comprehensive coverage, you do not need to worry about vehicle theft causing you a large financial loss, since your insurance company can reimburse you for the Blue Book value of your car. New cars depreciate quickly, so if your car is very new, it’s possible that you currently owe more for it than it is worth. In this case, adding gap insurance can prove beneficial, since it will cover the difference between what you owe and what the vehicle is worth.
Why Work with an Independent Insurance Agent in Rocky Mount?
As a vehicle owner in Rocky Mount, you can turn to a local independent insurance agent for help when you are looking for the best auto insurance to meet your coverage and budgetary needs. These agents are free to work a variety of insurance providers to find you a reliable policy at a competitive rate.
Find an insurance agent in or near Rocky Mount to learn more. You can start comparing customized car insurance quotes in no time.
©2020, Consumer Agent Portal, LLC. All rights reserved.