Expensive North Carolina Auto Insurance

North Carolina law requires liability insurance on every car that is registered in the state. That law first came into practice in 1959 as a result of the large number of uninsured vehicles that were traveling on North Carolina's extensive road system. Today every car must be insured with a 30/60/25 North Carolina auto insurance policy.

The fastest way for a driver to get expensive car insurance in North Carolina is to drive in an irresponsible manner. Drive fast, take chances and don't obey the traffic laws. For each infraction, points will be added to your driving record, and your insurance premiums will soar. If you add an accident or two that will increase your driving record points.

Don't pay any of your bills on time. Since most insurance companies will check your credit score before they give you a quote, this will definitely increase the rate. Insurance companies consider people with low credit scores to be irresponsible. If you are irresponsible in one area of your life, it only stands to reason that you will be irresponsible in other areas, too. This will help the insurance company make the decision to label you as a high risk driver.

Most people who are irresponsible are also lazy. You can't expect them to take the time to compare insurance rates online. It is even less of a possibility that they would ask for online quotes.

When you need to purchase car insurance, stop at the first insurance company you come to when you are in town, and purchase your insurance. Don't waste time or effort checking prices. After all, most people think that policies cost the same regardless of what company you buy it from.

Buy your teenager a brand new sports car, and add him to your insurance policy. Don't put any restrictions on his driving, and don't hold him accountable. Allow him to take drugs and drink liquor and then drive his car. Don't expect him to obey the speed limit or any of the other traffic laws. After all he drives just like his Dad.

Don't ask about possible discounts, and don't make any effort to qualify for them. Drive a high risk car like a sports car, don't take a driver's training course and put a lot of miles on your car every year. These are just a few of the things that will guarantee that you get the most expensive North Carolina auto insurance available.