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Mexico certainly has its charm. However, for anyone from North Carolina planning a trip to this southern destination by car, they need to be aware of some insurance restrictions. If you purchase a car insurance policy in North Carolina, you won’t be covered should you decide to drive your car into Mexico. You will have coverage north of the border in Canada though.
If you plan on spending most of your time on the road in North Carolina, a standard car insurance policy will be ideal. Typically the one factor that weighs heavy in anyone’s decision to purchase car insurance is the price. If you want to be the best rates on car insurance in North Carolina you’ve got to do some research. This means contacting several different insurance companies to get price quotes.
You need to be aware of the level of coverage you want before you begin asking for quotes. If you drive a newer car, you’ll need the minimum liability coverage required by law but you’ll also want to seriously consider collision and comprehensive coverage. This protects your car from all types of peril and can help pay for any repairs that are warranted. On the other hand, if your car has seen better days and is more than a few years old, you likely don’t need collision or comprehensive coverage anymore. A good way to determine if it’s worth the cost is to consider the actual value of your vehicle. If the premiums for the insurance are almost as much as the car, you can decline it and pocket the savings or save it for a newer car in the future.
For those who do need collision and comprehensive coverage, they can still enjoy a better rate by increasing their deductible level. This will lower the cost of the premiums considerably and will ensure the best rates possible.