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Category Archives: North Carolina Insurance

Mike Dortch and the licensed agents of InsureDirect offer the lowest North Carolina Auto Insurance rates. One call to our North Carolina Auto Insurance Toll-Free Hotline will save you lots of time and money. Not only will we offer the lowest North Carolina Auto insurance rates and the surrounding area, you don’t even need to leave the comfort of your home to obtain insurance coverage.

STATE State Flag
North Carolina State Flag

All InsureDirect.com North Carolina Auto insurance rates and all online car insurance products are bound for insurance coverage through our sister insurance agency’s appointment contracts, Combined Insurance Group, Ltd. Free North Carolina Auto insurance rates quotes provided both online and through our North Carolina Toll-Free Insurance Quote Hot-Line.

NORTH CAROLINA AUTO INSURANCE

INSTANT COVERAGE & NO FAXING NEEDED –ACCIDENTS, TICKETS, DUI,

SUSPENDED /FOREIGN LICENSE AS LOW AS $33.20 DOWN PAYMENT

Updated (6/24/2012): North Carolina auto insurance liability coverage is required for all motorists.

Minimum requirements for North Carolina auto insurance start at 30/60/25. This means your policy must have at least the following limits:
• $30,000 – Bodily Injury Liability per person, per accident;
• $60,000 – Bodily Injury Liability for all persons, per accident;
• $25,000 – Property Damage Liability.
Policies that only have the minimum Bodily Injury Liability and Property Damage Liability limits in North Carolina are required to include in the policy the Uninsured Motorist coverage.

Having the basic liability insurance will protect the policyholder, his family members or anyone who used his vehicle with permission against bodily injury and property damage claims as a result of an accident in which the insured vehicle have caused. The insurance company will pay for the said damages up to the limits set in your policy. If the costs for injuries and damages exceed the above limits, the policyholder is obligated to pay for the difference. For this, InsureDirect.com recommends that you consider buying auto insurance with more than the bare minimum coverage.

Aside from the liability insurance, a consumer can also add to his policy additional coverage that will protect himself from injuries and vehicle damage that he might obtained after an accident, such as the Medical Payments, Collision, and Comprehensive coverage.

To specifically know the cost of having your vehicle insured, you may start getting Insure Direct North Carolina auto insurance quotes or talk with one of our agents through our toll free number, (800) 807-0762.

 

North Carolina Auto Insurance Due For Overhaul

North Carolina Auto Insurance ChangesPost Date May 17, 2013 –  The changes to the North Carolina auto insurance  system were turned down last week  at the NC House of Representative committee level.  The proposal was recommended to allow North Carolina auto insurance companies to individually control their premiums.  This will give them the ability to raise or lower them by 7% annually.  The  proposal will bypass the current NC Auto Insurance System which the North Carolina State’s Rate Bureau wherein insurers are represented and collectively files for premium changes to the North Carolina Insurance Department. The  North Carolina insurance commissioner will review the rate filings and decide whether to approve the rates or not.

North Carolina Auto Insurance Laws Could Change

After the NC Insurance chief Wayne Goodwin argued the proposal will just raise North Carolina auto insurance premiums, the House insurance committee voted 18 to 11 to bury the bill. Even the insurers were divided on the proposed overhaul. Goodwin admitted that although the current North Carolina auto insurance system is not perfect, the proposed measures would hurt the current system that is working well for both NC auto insurance companies and North Carolina Auto Insurance Customers. Though the proposal may present itself to be advantageous to insurers, it could have bring good to drivers as it could have put a stop on the extra charges that North Carolina Drivers are paying to make up for the states high risk drivers.

Among the top North Carolina Auto Insurance carriers which support killing if the bill are State Farm, Geico and Progressive, and among others. One Insurance lobbyist  argued that the proposal will put balance on the true cost of covering the around 7 million insured  cars & trucks in North Carolina, and will lower the insurance cost of around 85 percent of the state drivers. Those who have shown strong opposition to the bill are insurers N.C. Farm Bureau, AAA North Carolina,  and the state’s current largest car insurance carrier, Nationwide. Insurance Company.

-Mike

Michael E. Dortch
President &  Senior Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

 

Allstate Car Insurance Company May Require Policy Bundling in 2012

Allstate Car Insurance Company May Require Policy Bundling in 2012

Monday’s Post 1.2.12 – Auto Insurance and Homeowners Insurance carriers have started to non-renew the polices for policy holders whom refuse to bundle their insurance products such as homeowners insurance and car insurance coverage.  This change means carriers are not non-renewing consumers based solely on the real losses suffered by many of their policyholders in the year.  A leading insurance  and economics expert outlined the… Continue Reading

Allstate Non-Renews North Carolina Homeowners Policies

Allstate Non-Renews North Carolina Homeowners Policies

Saturday’s Post 11.26.11 –  After an intensive review of its North Carolina portfolio, Allstate Insurance Company has decided to non-renew homeowner’s coverage for a record 45,000 customers.  According to the insurer’s spokesperson, the company took the decision with a view to managing better, the risks of more than 400,000 other households insured under it. Allstate filed a… Continue Reading

North Carolina Insurers Yearn For Rate Hike on Dwelling Fire and Extended Coverage Insurance Policies

With Hurricane Irene fast approaching the east coast of the United States, we all have a tendency to wonder about our Homeowners Insurance coverage and if we have enough.  It was a very interesting day in the  Pennsylvania offices of InsureDirect.com.  Normally the calls are mostly for auto insurance quotes throughout the country. Today; our switchboard was jammed with calls… Continue Reading

Special Requirements And Considerations When Insuring A New Automobile

Special Requirements And Considerations When Insuring A New Automobile

Experienced drivers are fully aware of the requirements to obtain car insurance at their particular states of residence. The procedures to insure a new car differ from insuring an older one. There are particular needs and requirements for newer cars that do not apply for older ones. Some of the special considerations that relate to insurance coverage… Continue Reading

The Process of Getting Auto Insurance when you Move to another State

The Process of Getting Auto Insurance when you Move to another State

Most car owners can recall the hassle involved when you move from one state to another with when you own a vehicle. Different states have different vehicle registration requirements. Hence the time taken to process the various legal requirements such as emission inspection reports, automobile registration, license transfer and other specifications; differs for various states. You have to go through… Continue Reading

A State Law Change Could Raise Auto Insurance Rates

A State Law Change Could Raise Auto Insurance Rates

Insurance Regulators in North Carolina are discussing changes in state auto insurance law which could lead to much higher auto insurance rates for North Carolina drivers. Insurance Commissioner Wayne Goodwin said in April 2011; he opposes doing away with his authority to limit auto insurance rate increases. The current auto insurance system supports over 100… Continue Reading

North Carolina Insurance Requirements:

  North Carolina State Flag North Carolina car insurance requirements start at 30/60/25. This means you must have NC auto insurance in the amount of $30,000 coverage for bodily injury liability per person and $60,000 coverage for bodily injury liability total per accident. You are also required to carry at least $25,000 coverage for property… Continue Reading

What are the Cheapest Cars to Buy and Insure?

What are the Cheapest Cars to Buy and Insure?

  Not all cars are created equal. There can be a very large cost difference between one car and another. If you are trying to buy  a new or used car that won’t break the bank on both the cost of the car and  auto insurance, there are some things you’ll need to consider. Used or pre-owned cars are obviously the number… Continue Reading

How to Prepare Your Teen Driver

How to Prepare Your Teen Driver

Teenage drivers account for a large amount of accidents on the road. Unfortunately, many result in serious injury. There have been many studies looking into the reasons for high rates of teen car accidents. One is that they are simply new to driving and unprepared for many situations. Another is that teenagers tend to be… Continue Reading