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Liability coverage is mandatory for anyone driving a car in North Carolina. This means that if you are caught driving without this type of insurance, you can expect to face a fine and possible impoundment of your car. If you are caught as the result of an accident, you may also have to deal with a hefty lawsuit by the person you were involved in the collision with.
Some people convince themselves that they won’t ever be involved in an accident if they are a careful driver. Therefore they sometimes think car insurance is a waste of money. Typically this is because they don’t want to pay the several hundred dollars a year it takes to insure a vehicle. However, there are ways to bring premium costs down while still maintaining an adequate coverage level.
One way to do this is to do some research before buying a new vehicle. Too often we are so excited to buy a certain car or truck that we never take into consideration how much it will cost to insure it. Some vehicles just cost more to insure because they are at higher risk for theft. If you call an insurance company in North Carolina and ask for a quote on the car you are considering buying, this will help you to determine whether or not you can afford both the car and the insurance.
If you drive an older car you can save on insurance costs by dropping the collision and comprehensive coverage. Some older cars have depreciated in value so significantly that the replacement cost pales in comparison to the premiums for collision and comprehensive coverage. If this is the case, a basic liability policy is all that is required.
For newer cars take a higher deductible for the collision and comprehensive coverage. This keeps the vehicle protected while at the same time saves you money.