• Installments – If you have to pay for your annual premium in installments, you are going to pay more. With the current state of the economy, there are few of us who can afford to pay for a year’s worth of car insurance all at once, but those that can will see a cheaper premium.
• Make & Model – What type of car do you drive? If you drive a vehicle that’s popular with thieves or street racers, you’re probably going to pay more than the average Joe for your car insurance.
• Credit – If you have a good credit score, you’re in luck. A high credit score can sometimes help you score a more favorable auto premium.
• Home Sweet Home – If you own your own home, you are often eligible for a discount if you insure both your home and auto policy with the same insurer.
• Driving Record – Being a safe driver is rewarded. Those with fewer tickets and accidents are cheaper to insure and you will see lower premiums.

In North Carolina, you are required to carry $30,000 for personal injury for a single person
and $60,000 for two or more people that may be involved in an accident and sustain
injuries or death.

Uninsured motorist coverage is always a tricky one. This type of coverage pays out for
damages caused when an insured is injured by another driver who does not have the legally
required insurance coverage – or if you are injured by a hit and run driver. While uninsured
motorist coverage is not mandatory, it is something you should consider absolutely
essential.

When it comes to property damage, the minimum amount of coverage required is $60,000.
This includes vehicle damage, or damage to personal property resulting from an accident.

When calculating your rates, your car insurance company will look at your age, driving
history, amount owed on your car, as well as the amount and types of protection you need.
Make sure to have a good dialogue with your agent or company – they can help you come
up with just the right type of coverage at a price you can afford.