Do you know if you're paying too much for auto insurance in Greensboro NC? We'll help you find out!
Insert your zip code in the box above, and we'll provide auto quotes from car insurance companies who insure in the Greensboro area. These insurance quotes will help you determine where you can get the best rates.
Don't waste time contacting various agents or driving all over town. We'll do all the work for you!
(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.
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.
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.
In 2010, there were 1,719 auto thefts 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
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
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
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.
(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
Learn about auto insurance.
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