Whether you are a teen paying for his or her own auto insurance, or you are a parent paying for insurance for your child, finding a great deal for insurance coverage for young drivers is a major concern. However, as you save money on your insurance, you do not want to sacrifice on quality or service. Consider these tips for saving money on Burlington, North Carolina teen auto insurance.

• Make certain you compare what is covered. If it sounds like too good of a deal, it probably is too good of a deal. Read the fine print and make sure you get the coverage you desire.
• Compare apples and apples. If you are comparing insurance from two different companies, make sure that you check out the different features that are or are not included. This goes hand and hand with the other tip. Rates may vary, but they generally will not vary that drastically from one Graham or Mebane insurance agency to the other.
• Work with an independent agent. While you can purchase insurance yourself online, working with an agent gives you an expert on your side that will make sure you are getting a great deal.
• Choose an agent that can run a live comparison. Rates change on a regular basis. What was the right rate yesterday may be invalid today. A great agent can run ive quotes and make sure they find you the best possible deal.
• Check your teen’s auto policy on a regular basis and make sure it does not need adjustments. You will find that the rates vary dramatically from year to year, especially when he or she is still young. Adjust the policy as he ages and you will always get the best possible insurance deal.

As a Burlington independent agent, we are often asked whether North Carolina has mandatory auto insurance requirements for licensing a vehicle? The answer is yes.

According to the North Carolina Division of Motor Vehicles, all registered owners must keep continuous liability coverage on any vehicles that currently have a valid license plate assigned. Failure to do so can lead to serious fines and/or having your license plate suspended.

It is also important to note that insurance companies are required to report any auto insurance policy cancelations to the Department of Transportation. This includes any lapses in coverage for failure to pay your bill on time. This is often handled by most insurance carriers via a system generated letter, which is then sent to the state. North Carolina keeps track of the number of "lapses" a registered owner has and issues fines accordingly.

The minimum required liability insurance for private vehicles in North Carolina is $30,000 for bodily injury for one person and $60,000 bodily injury for two or more people (to be split accordingly in the event of an accident. You must also carry $25,000 property damage coverage.

We are also often asked whether a person without a driver’s license who does not drive but owns a vehicle needs an auto insurance policy. The answer to this is also yes. According to the state, every registered vehicle must have an auto insurance liability policy. There are no exceptions to this guideline.

Those who own inoperable vehicles have the choice of turning in their license plates, deactivating their registration, and cancelling their liability insurance policy. All surrendered plates must be turned into the state prior to cancelling the insurance policy.

Mebane, Graham, and Burlington residents in need of auto insurance or are looking to find an independent agent may visit our website for more information.

Even though you may be able to save a couple of hundred dollars on your auto insurance policy by requesting a high deductible, in the long run, it may wind up costing you more money. In Burlington, Mebane, Graham and all other cities and towns throughout North Carolina, when you purchase comprehensive and collision coverage, you have a choice of how big or small a deductible to choose.

Even a very minor accident can cause thousands of dollars in repair costs. As your independent agent, we can help you decide what the proper size deductible should be on your North Carolina auto policy. As a general rule, you should keep your deductible low enough so that it will not be a financial burden if you need to file a claim.

A policy holder assumes financial responsibility for that portion of the entire claim thet falls below the level of their deductible. If your deductible is higher than the amount of the damage, you will have to pay the entire cost of the repair.

When you finance a new vehicle, the lender may require you to keep the amount of your deductible down to a reasonable level. Deductibles that are too high reduce the value of your collision and comprehensive portion of your auto policy. If you choose a $2,500 deductible because it does not make your car insurance policy go up by more than a few dollars, that usually indicates that there is little chance of ever being able to collect on that policy.

No matter if your car is worth $5,000 or $25,000, deductibles should be based on how much risk you want to assume for damage to your vehicle. For peace of mind, try to keep deductibles as low as possible. When an accident occurs, you will be glad you did.

It is easy to get a quote for car insurance in Burlington NC.  Don Allred Insurance provides instant quotes here at this site.

Don Allred Insurance is your choice for auto insurance in Alamance County, we have been providing insurance services since 1971.  Give us a call today at 336-584-2705.  Just click the get a quote button to get started!

Before deciding on an auto insurance plan, the most important thing to know is the law for auto insurance coverage in your state. This is especially important to note if you have moved recently and are unaware of your new state’s laws. Every state has different laws and requirements when it comes to auto insurance, and every driver on the road should be aware of these standards to avoid paying too much for auto insurance while still obtaining the right amount of coverage.

One of the best ways to find out everything you need to know about the law, regarding insurance in your state, is to simply ask your insurance agent. Your auto insurance agent will know everything there is to know about the laws regarding insurance coverage and can even apply it to your unique situation. Be sure to inquire about the most updated information available since many laws are subject to change as time goes by.

The reason why you should go to your auto insurance agent first is that he or she can explain some of the more complicated matters surrounding insurance in a way that will be easy to understand. Researching online can present you with a lot of complex and even false information about the law in your state. To avoid confusion, it’s easier to call your local auto insurance agent and set up an appointment to meet. At the meeting, you can learn about the facts and laws according to your state in addition to any other questions you may have about your personal eligibility for various types of auto insurance coverage. Although the state has a law that all drivers must adhere to, it’s also important to customize your plan as well to meet any personal circumstances that apply to you.