Cheap Car Insurance
Luckily, finding cheap car insurance in Asheville is not as difficult as it could be. North Carolina car insurance requirements are pretty well defined, and in general the political environment in the state encourages a stable insurance industry.
Per the law:
North Carolina Car Insurance Requirements
North Carolina state law requires minimum Bodily Injury Liability limits of $30,000 per injured person up to a total of $60,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 30/60/25 coverage with 30/60 UM limits.
North Carolina Insurance Coverage:
Bodily Injury Liability: $30,000/$60,000 Limit
Property Damage Liability: $25,000 Limit
Uninsured Motorist Bodily Injury: $30,000/$60,000 Limit
Uninsured Motorist Property Damage: $25,000 Limit
*New limit requirement effective: January 1, 2009The state of North Carolina follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, North Carolina state law requires a minimum Uninsured/Underinsured Motorist coverage of $30,000 per person up to a total of $60,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
Property rates (and the cost of living in general) in Asheville are quite high. People try to save money however they can. If you have to pay rent or make a mortgage payment, buy groceries and gas for the car, paying a bunch for insurance is really out of the question. There’s also a feeling that if you are involved in an incident or accident, by the time the car insurance company gets involved, you’re in trouble anyway. When surveyed, 95% of the respondents indicated that cheap car insurance was at the top of their list when it came time to shop for a deal.