CHEAP AUTO INSURANCE IN NORTH CAROLINA

Cheap Greensboro NC Auto Insurance

Cheap Car Insurance in Greensboro



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NC Auto Insurance Requirements


North Carolina law requires that automobile liability insurance be maintained. The minimum coverage acceptable is $30,000/$60,000/$25,000.

That means $30,000 Bodily Injury coverage for each person,
$60,000 total Bodily Injury for all persons injured in an accident,
and $25,000 for Property Damage coverage.

The law in North Carolina also requires that all licensed drivers carry Uninsured/Underinsured coverage on their automobile insurance policies. Check the NC Dept of Insurance website for specifics.




What Determines Auto Insurance Rates?


(a) Your driving record -
This has the biggest impact on your premium. At-fault accidents and moving-violation convictions within the last 3-years greatly affect your cost.

(b) Where you live -
The population, number of vehicles, condition of roads, vehicle repair costs, and the number of accidents in your area are factors.

(c) Vehicle use -
The more a vehicle is used, the higher the premium. For a vehicle that is only used occasionally, you'll pay much less than if you drive several miles to work.

(d) Your credit score -
Statistics show that a person with a low credit score is more likely to file a claim.

(e) Type of vehicle -
The cost of repairing or replacing a vehicle of your type, its style, and the likelihood of theft, all affect your premium. Sports cars raise rates much more than a family car.




NC Safe Driver Incentive Plan


Safe drivers are given the lowest rates possible in NC as a reward. The General Assembly enacted the SDIP (Safe Driver Incentive Plan) for that purpose.

If a driver is convicted of moving violations and/or causing accidents, that driver will be charged higher premiums than a safer driver.

SDIP points are charged for violations. Those violations include: reckless driving, following too closely, passing a stopped school bus, driving while impaired, aggressive driving, and speeding, as well as others.




Tips To Save Money
on Car Insurance in Greensboro


(1) Increase your deductible amounts

(2) Accident-free discount

(3) Multi-car discount

(4) Good student discount

(5) Nonsmoker discount

(6) Passive restraint discount

(7) Pay annually or semi-annually,
NOT monthly.

(8) Pay by Electronic Funds Transfer (EFT)




Statistic


In 2015, there were 1,241 auto thefts reported in the Greensboro - High Point metropolitan area,
per the NICB (National Insurance Crime Bureau.)

To help prevent your car from becoming a thief's target, follow these steps...

(a)  LOCK your vehicle
(b)  TAKE your keys
(c)  CLOSE the windows and sunroof
(d)  TURN OFF car when unattended





Older Drivers


As drivers age, their skills have a tendency to decline. Sometimes the cause is medication or disease. Arthritis, a stroke, Parkinson's disease, or vision problems can seriously impact a person's ability to handle a motor vehicle safely.

Ways to recognize declining driving skills...

* Merging into another lane without looking first
* Running red lights/stop signs before realizing it
* Going the wrong way against traffic
* Stopping for green light
* Having near-misses with cars, people, or objects
* Getting lost in areas that should be familiar
* Stopping in middle of intersection
* Confusing the pedals (gas and brake)

Precautions to take ...

- Always wear your seat belt
- Drive during low traffic times
- Avoid left turns as much as possible
- Take a driver safety course





Reasons for Cancellation


Your insurance company can cancel your policy for the following reasons...
Non-payment of premiums

You no longer live in NC

You knowingly lied about driving record




Distracted Drivers


An activity that takes your eyes off the road while you are driving is considered a distraction. If it takes your hands off the wheel or interrupts your concentration, the risk of a crash increases.

In 2008, more than half a million people were injured and about 6,000 died as the result of crashes that involved a distracted driver.

FYI - Using a cell phone while driving reduces the brain activity associated with driving by 37%.

FYI - It is 4 times more likely that a driver using a hand-held device while driving will be in a crash that injures them.






If you are involved in an accident...


(1)  Stay calm
(2)  Call police
(3)  Note the time, date, damage, location, injuries, road conditions
(4)  Exchange driver(s)' info...
name, address, insurance info, license number, tag number
(5)  Get witnesses' contact info and brief statement
(6)  Take photos of accident scene
(7)  Draw a diagram of the accident scene
(8)  Call your insurance company immediately





Auto Insurance Agents In Greensboro:


Jim Costas Agency
5823 High Point Rd
Greensboro, NC 27407
336-547-8987


Lemons Insurance
2307 W Cone Blvd
Greensboro, NC 27408
336-288-2616


Forest Oaks Insurance
4620 Woody Mill Rd
Greensboro, NC 27406
336-674-9888


Wendover Agency
408 E Wendover Ave
Greensboro, NC 27401
336-272-5666


Judy Slade
1320 Lees Chapel Rd
Greensboro, NC 27455
336-375-5920


Fleszar Insurance
218 S Swing Rd
Greensboro, NC 27409
336-553-2780


Insurance World
2311 W Cone Blvd
Greensboro, NC 27408
336-282-7733


Protective Agency
2416 High Point Rd
Greensboro, NC 27403
336-292-6445


Gundlach Insurance
3411A W Wendover Ave
Greensboro, NC 27407
336-740-9334


Joe Fowler Agency
5716 W Market St
Greensboro, NC 27409
336-299-7447


Albert M Bush
500 E Cornwallis Dr
Greensboro, NC 27405
336-275-0488


Reese Insurance Agency
2001 Boulevard St #C
Greensboro, NC 27407
336-292-1963


Gladwell Insurance Agcy
5709 W Friendly Ave
Greensboro, NC 27410
336-299-5185


B.G. Parker Ins Agcy
1400 Battleground Ave
Greensboro, NC 27408
336-379-1717


Parker Insurance Group
4121 Spring Garden St
Greensboro, NC 27407
336-632-8920


Summit Insurance
2605B Randleman Rd
Greensboro, NC 27406
336-698-3807











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