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North Carolina Auto Insurance Needs

Every person is unique. To determine your car insurance needs, consider:

• Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a personal umbrella policy can provide the extra liability protection you need.
• Collision covers damage to your car from an accident. Haberer Insurance can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
• Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision.
• Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that North Carolina requires certain minimum levels of coverage. The right North Carolina car insurance coverage for you is unique - talk to us today to find out how to get the best price and value on North Carolina auto insurance for you.

Auto policies

• Get a Free Auto Insurance Quote
• Classic Car Insurance
• Auto Insurance

Safety resources

• About Airbags
• Beginning Teenage Drivers
• Graduated Driver Licensing
• Kids & Airbags
• Shopping for a Safer Car
• Vehicle Research Center Guide

Helpful resources

• Highway Loss Data Institute
• Insurance Institute for Highway Safety
• Kelley Blue Book
• Edmunds
• Insurance Information Institute

Related products

• Commercial Auto Insurance
• Motorcycle Insurance
• RV Insurance