Swift Car Insurance Quotes and Annual Premiums in All 50 States

Search by Keyword

photo: commons.wikimedia.org

For Swift Car Insurance Quotes and Comparisons for all 50 states and Washington DC, visit the link shown below.

This page details the latest info pertaining to auto insurance premiums in the state of North Carolina.

Minimum Liability Coverage

North Carolina state law requires a minimum car insurance coverage of 30/60/25 per vehicle.

That means car owners in North Carolina must carry at least $30,000 in personal injury protection, $60,000 in multiple injury protection, and $25,000 to cover the cost of property damage for each vehicle owned.

Still, even with the maximum payout set at $115,000 per accident, experts insist that drivers should purchase 100/300 coverage for each vehicle owned in America, as well as Uninsured Motorist Insurance (UMI), to fully cover the real costs of auto accidents.

Penalties for Driving Uninsured

On a first conviction of driving uninsured in North Carolina, the driver is faced with a fifty dollar fine and a 30-day suspended license.

Repeat violations face bigger fines and longer license suspensions, not to mention costly reinstatement fees and raised annual premiums.

Average Auto Insurance Rates

The Average Annual Premium for Car Insurance in the state of North Carolina was $1,085 last year, the third lowest rate among all U.S. sates, and well beneath the overall national average of $1,510.

These low rates are due mainly to the state's strong economy, relatively sparse population, and a preponderance of locally competitive insurance carriers, according to analysts at Top50States.com.

Low Cost Car Insurance

Here are several ways in which auto owners in North Carolina can minimize their car insurance premiums.

1. Pay annual premiums up front, as opposed to month by month.

2. Live alone, or with low-risk drivers.

3. Qualify and apply for discounts, such as good student discounts, senior citizen discounts, anti theft device discounts, vehicle safety discounts, multiple policy discounts and others.

Most insurance carriers advertise special policy discounts to entice the potential policy holder. Probably the biggest way to cut costs on car insurance is to grab every possible discount. 

Swift Car Insurance Quotes

Based on recent online consumer reviews, most North Carolina car owners choose major auto insurance providers like Allstate, Encompass, Geico, Liberty Mutual, State Farm, and 21st Century Insurance.

Still, others opt for smaller carriers like Direct General, Excelsior, and Erie.

Call all of the popular carriers in your area and ask about their discount programs. Get a free quote from each agent.

Then, get free quotes online by visiting websites like Swift Cover.

Finally, compare quotes and choose the policy with the lowest annual premiums. That's all there is to saving hundreds of dollars a year on car insurance.

Hit this link to learn How to Work From Home Anywhere in America.

Go here for a complete list of Universities and PhD Programs in all U.S. states and Washington DC.

See this page for Fact and Photo Galleries from All 50 States and Washington DC.

Look here for Premium Factory Outlets in All 50 States.

See this page for Affordable Travel Deals in all 50 States and Washington DC. 

Look here for Swift Car Insurance Quotes & Comparisons in All 50 States.

Go here to see Amazon's Top Ten New e-Books