If you are looking for Raleigh car insurance then you have come to the right place. Learn more about Raleigh, NC car insurance policies and regulations before you buy.

Start your search now with our free Raleigh car insurance quote finder. Get your free Raleigh auto insurance quotes in just minutes and compare them side by side to find the best car insurance in Raleigh!

Raleigh Car Insurance Laws

Raleigh, North Carolina has a tort system of law which means that whenever an accident occurs someone must be found at fault. The at fault driver is then responsible, along with their car insurance company, for all the damages.

All vehicles in North Carolina must have a liability car insurance policy. That policy must remain for as long as the vehicle is registered. In fact, before you register your vehicle you must be able to provide proof of auto insurance coverage.

Your Raleigh, NC auto insurance policy must be through an insurance company that is licensed to do business in the state of North Carolina.

Raleigh NC Car Insurance Coverage Lapse

If you switch car insurance companies, it is likely that there will be a lapse in your coverage from one policy to the next. When you cancel your auto insurance policy or have a lapse in coverage, your car insurance company is required to send notification to your DMV. The DMV will then send you a notification, which is a form FS 5-7, and you are then prompted to respond within the next 10 days.

You must send in the form with your correct and current insurance information. If there has been a lapse in your auto insurance coverage¸ you may be required to pay a penalty fee which must be sent in with your form. This form must be completed and sent within ten days after receiving it. If you do not respond within the ten day period, you may lose your license plates for 30 days.

Raleigh Auto Insurance Minimum Requirements

The state of North Carolina has minimum auto insurance requirements that each driver must meet. The Raleigh, NC minimum auto insurance requirements are:

• $30,000 Bodily Injury Liability Per Person
• $60,000 Bodily Injury Liability Per Accident
• $25,000 Property Damage Liability
• $30,000 Uninsured Motorist Bodily Injury Liability Per Person
• $60,000 Uninsured Motorist Bodily Injury Liability Per Accident
• $25,000 Uninsured Motorist Property Damage

Bodily injury liability coverage will cover the medical expenses of the other driver and his/her passengers in an accident where you are at fault. Property damage liability will cover damages to the other driver’s vehicle in an accident where you are at fault. Uninsured motorists coverage is to protect you if you are in an accident and the at fault driver does not have the proper insurance coverage.

Finding An Affordable Raleigh Car Insurance Policy

If you live in the great state of North Carolina, you enjoy some of the lowest average auto insurance rates in the nation. In 2005, North Carolina ranked number 46 for the state’s with the highest auto insurance premiums. This means that only four state’s have lower average auto insurance rates then NC. The average annual auto insurance premium for NC in 2005 was $730.80.

Even though your Raleigh auto insurance rates may be less expensive than most other driver’s in the nation, there are some ways that you may still be able to save on your car insurance policy.

Here are some tips for finding affordable car insurance in Raleigh NC:

• Discounts: Many Raleigh auto insurance companies offer discounts that can help you save money. Some common discounts include good student, good driver, safe driver, low mileage, and senior. Check with your auto insurance company or shop around for discounts that could potentially save you a lot on car insurance.
• Higher Deductibles: Opting for a higher deductible on your policy will help to give you lower premiums.
• Shop Around: Make sure you shop around before you buy to find the lowest price on auto insurance. Also, be sure to compare Raleigh auto insurance rates every six months or so as rates can change without you knowing.

North Carolina Safe Driver Incentive Plan

The North Carolina Safe Driver Incentive Plan (SDIP) is designed to reward safe drivers with the lowest premiums by using a point system to penalize drivers who are found to be at fault in accidents or are convicted of certain traffic violations.

The point system ranges from 12 – 1. For example, a driver could receive 12 points for driving under the influence or 2 points for illegal passing. The higher the points the more your insurance rates will increase. If you receive 12 points your insurance rates can increase up to 340%. For 2 points your insurance rates could increase 45%.

You can find the entire points system on the North Carolina Department of Insurance website. If you live in Raleigh, NC being a safe driver can certainly pay off!

Comparing Raleigh Auto Insurance Companies

No one Raleigh auto insurer is best for everyone. Be sure that you shop around and compare quotes from top companies in order to find the policy that will best meet your needs. Here is a listing of some of the best Raleigh car insurance companies:

• GEICO
• Progressive
• All State
• State Farm
• Liberty Mutual
• Esurance
• Unitrin Direct

Shop For Raleigh Car Insurance Quotes Now!

Start shopping for Raleigh auto insurance right now! Use our free Raleigh NC car insurance quote finder to easily compare multiple quotes from multiple insurance companies side by side to find the best and lowest rates on Raleigh car insurance.

Find the Raleigh auto insurance policy you need today!