Will my North Carolina car insurance go up if I have an accident or claim?

It’s a question I get almost everyday, “Will my North Carolina car insurance go up if I have an accident or claim?”  And borrowing from a line from my college professor Mr. Burns (not The Simpsons character) “It all depends”.

There are so many things that will impact this answer.

I get it you’re worried about how much you’re going to pay for car insurance.

It’s an expensive bill each month, but is it really more than your other bills?!?  Is it more than your cell phone, your cable bill, or your Starbucks addiction?  [Read more…]

North Carolina Uninsured/Underinsured Motorist Coverage

Do you know what the most overlooked coverage on your North Carolina car insurance policy is today?  It’s your uninsured/underinsured motorist coverage.  It’s an afterthought, it’s rarely discussed, and it’s the coverage that can be the difference between you being made whole and financial ruin.

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“Hi, Josh this is Hank Albert and I want to talk to you about my car insurance.”  And before he says anything else I almost know that the next sentence out of his mouth will be:

Why did my North Carolina car insurance go up?

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Whenever I talk to you about your North Carolina car insurance my first concern is to get you the right coverage. The second is the right client experience.  The third is to save money on your car insurance.

Let’s discuss some of the strategies we use to do this! Ready?

Let’s go!:

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Rental car insurance is just like economics…

The answer is it all depends and what it depends on is specific to you.  Here are some questions you need to ask yourself:

• Do you have collision and other than collision/comprehensive coverage on your policy?
• Does your policy automatically transfer coverage from your vehicle to a rental car?
• Who will be driving the vehicle?
• Why are you renting the vehicle?  Is it for pleasure or because of a claim?

Is your head spinning by now?  If it is, then it’s time to pick up the phone or email your North Carolina independent insurance agent to ask them these questions and keep reading.

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The dreaded phone call…

Whenever I get a call from a client telling me that their 16 year old, or in a lot of cases now 19 or 20 year old, is ready to their license they always ask, how much will my North Carolina auto insurance go up?  I first ask them if they’re driving or sitting down because I don’t want them to get into an accident or fall over because it can be a shock.

Do they make it up or do they know what they’re doing?

Before we dive into the numbers of how much it’ll cost it’s important to know what factors come into play.

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