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. Read the rest of this entry »
Driving a car is now days a daily routine and almost every driver will have a risk of getting accidents on the roads. But when it comes to women drivers, they are at lower risk of being involved in a car accident than their male counterparts. Consequently, if you’re a young woman driver, auto insurance providers are generally willing to offer you a lower quote.
We can even check this by logging on to any comparison site and can get several quotes. Compare the different quotes and look into each insurance company’s reliability as well. Insurance companies believe from their experience that women are safer drivers and they reward them for this. By and large, male drivers are the ones who usually buy the flashier, expensive cars; file more claims; and get their vehicles stolen more often. All these factors translate to lower insurance premiums being offered to women drivers.
But this is not fair that you bank on your gender as the only factor insurance providers will take into account when you ask for a quote. Other important factors will also be considered: your driving record, the safety of your vehicle, a good credit score, among other things. If you drive a fairly priced car, you may also get them to lower the quote some more because it will cost less to repair or replace and also less likely to be targeted by car thieves. Read the rest of this entry »