Living In North Carolina? Get Insured Your Auto First!

North Carolina auto insurance has a poor track record of road safety compared to many other states in the country. For example, the traffic fatality rate in North Carolina is considerably higher than the national rate. This suggests that there are a lot of unsafe drivers on the road. If you're a bad driver, you're going to pay, one way or another. Let's look at how bad driving can make your auto insurance premium skyrocket.

Insurance is one of the most important things one should have in order to drive in North Carolina. When you go to buy insurance, your driving record is a prime factor in the price you will pay. Under the North Carolina Safe Driver Incentive Plan, you get points for moving violation convictions and misguided accidents. The more points you have on your record, the higher your insurance premium will be.

Some of the examples of violations that lead to points and increased insurance costs for North Carolina drivers are:

You've been in an at-fault accident those results in property damage of $1,800 or less. Or you've been convicted of driving 10 mph over the speed limit in places where the speed limit is less than 55 mph. Both violations, as well as other minor infractions, will put 1 insurance point on your record. This results in an increase of 25% insurance premium.

You've been convicted of illegal passing, following too closely, or driving 10 mph over the speed limit on roads where the speed limit is 55 mph or greater. For any of these violations, you will get 2 insurance points on your record. This will cause your premium to go up 45%.

Conviction of  reckless driving, passing a stopped school bus, a hit and run resulting in property damage only, or speeding in excess of 75 mph where the speed limit is less than 70 mph. , any of these,  will get you  4 points on your record and you will see your premium increase by a whopping 80%.

Risky and unlawful driving habits can certainly make you pay more for insurance in North Carolina. You can't do anything about some of the factors that affect your premium, such as your age and gender. But the biggest determinant of cost, your driving record, is within your own hands. So pay attention to the road and don't take foolish chances while driving.

Article Tags: North Carolina, Speed Limit

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