According to the Vehicle Financial Responsibility Act of 1957 all North Carolina motorists are required to have minimum amounts of liability insurance, make a cash or bond deposit with the State Treasurer, or have a certificate of self-insurance. The majority of residents choose to purchase a protection plan from a state approved coverage provider in order to meet this requirement, but drivers should know that maintaining only the minimum amount of liability may not be enough for every motorist. There is an array of expenses that a NC motorist may be expected to pay after an accident or vehicle related incident, and not having the proper coverage could end up being financially devastating.

Purchasing a plan that offers greater amounts of protection does not necessarily have to be expensive, and oftentimes motorists can find cheap auto insurance in NC that offers more extensive coverage with only small amounts of effort and a quick online quote comparison. For example, one of the simplest ways of improving one’s coverage is by increasing liability limits. This can typically be done for only a few extra premium dollars and can provide considerably more protection. Individuals looking to purchase a policy may wish to complete a quote comparison with these increased liability limits in mind, looking for the absolute lowest estimates that include the greatest amount of protection. Although liability insurance is important, it does not protect damages to the policyholder’s own vehicle. For this reason many Tar Heel State motorists are encouraged to pursue additional forms of coverage.