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A Guide to Raleigh Car Insurance

A Guide to Raleigh Car Insurance

Raleigh, North Carolina has a lot of great options for your auto insurance policy.  When it comes to shopping for Raleigh car insurance, it can be helpful to know a little bit about the insurance laws in North Carolina as well as the various ways you can purchase an auto insurance policy.  Before you starting looking for Raleigh car insurance quotes, take the time to brush up on just what you need in an insurance policy – and an insurance company.

Any Raleigh car insurance policy you purchase should meet a few basic standards.  These are the state minimums that you are required by law to carry on your policy.  In North Carolina, you are required by law to carry a minimum of $30,000 per person and $60,000 per incident for bodily injury, as well as $25,000 in coverage for property damage.  This law is in place to ensure that everyone on the road is financially responsible for anything that might occur while they are behind the wheel.  If you are found to be at fault in an accident, your liability coverage will protect you from having to pay out of pocket for damages.  By the same token, if someone else is at fault, their insurance protects you from having to sue them for damages they may not be able to repay.  It ensures everyone can be returned to their pre-accident state as smoothly as possible

Your choices for Raleigh car insurance are widely varied, as there are many insurance companies doing business in the city.  Some of the largest insurers in the country write Raleigh car insurance policies.  The benefits of choosing a nationwide insurer include a strong financial backing for your policy and access to all kinds of features such as 24 hour claims service.  Smaller, more local insurance companies, on the other hand, keep the local economy strong and provide jobs.  When you choose a local Raleigh car insurance company, you may receive more personal service and attention to your needs.

Your choices for Raleigh car insurance can be further narrowed down to include selecting between a broker, an agent, and a direct buy company.  A broker is someone who sells policies from various different companies.  They can provide you with a number of comparison quotes to allow you to get a number of choices all in one place.  An agent works directly for one insurance company in particular as a general rule.  While they can only quote you one rate, they usually know a lot more about the policy and company due to their focus.  A direct buy insurer sells policies directly without a middle man, either online or over the phone.  You might get better rates this way due to less overhead and no commissions to agents.

However you purchase your Raleigh car insurance policy, be sure it meets your needs.  Legal minimums are just that – minimums.  You should take the time to understand your own personal insurance needs and make certain that your policy covers you properly and protects all of your assets.

Photo courtesy of M 93.

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