Auto Insurance in Raleigh, NC
Auto insurance is an essential contract to help safeguard you and your vehicle against financial loss following an accident. Without it, you might have to pay for any damage or injuries, which can be extremely expensive and potentially devastating. Car insurance is also necessary in North Carolina, where drivers must maintain continuous insurance coverage and provide proof of insurance when registering their vehicles.
There are many types of auto insurance coverage, but the following are the most commonly purchased: 
- Liability insurance can cover claims for damages or injuries you cause to others in an accident where you are at fault.
- Bodily injury liability helps pay for the injured parties’ medical expenses (and sometimes death).
- Property damage liability may cover repairs to the other driver’s property, such as their car.
- Collision insurance can cover damage to your vehicle resulting from an accident.
- Comprehensive insurance may compensate for damage due to noncollision incidents, such as falling tree branches or hail.
- Medical payments (MedPay) can help with medical bills for you and your passengers if injured in an accident.
- Personal injury protection (PIP) may cover medical expenses and lost wages due to an accident.
- Uninsured/underinsured insurance can pay for injuries or lost wages caused by another driver who lacks sufficient insurance.
In North Carolina, state law mandates all drivers to carry minimum levels of auto insurance to ensure financial responsibility in accidents. The mandated coverage includes bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.
How Much Does Auto Insurance Cost?
Various factors, such as your driving history, age and location, influence the cost of auto insurance. Rates can vary widely based on personal circumstances, the insurance company and even the type of coverage you choose.
To determine the exact amount of car insurance you need, assess your financial situation and learn any legal requirements. A car insurance agent can help you obtain the best coverage at the most competitive price.
Where to Buy Auto Insurance
Alan Insure is ready to help you create a customized car insurance plan. Contact us today to receive a free auto insurance quote.