Sure, Concord won 2004's All-American City Award. And yes, a plethora of amazing events and attractions -- such as the Great Wolf Lodge, Concord Mills, and the zMAX Dragway -- draw tens of thousands of visitors to the area every year. But as cool as the city can be, dangers here abound. Whether you are a middle-aged man who exercises at the West Cabarrus YMCA, a horticulturist who works at Memorial Garden, or a shop owner in the Edgewood Historic District, you crave a simpler and smarter way to shop Concord, North Carolina insurance quotes. After all, you need to formulate a good general plan to mitigate against financial risks -- without overspending now or getting coverage you don't really need. To that end, this article can answer your most burning questions, suggest savings opportunities that you probably haven't thought of, and introduce you to a free and extremely effective way to gather up Concord, NC insurance quotes to use either for further research or for decision-making today.
Don't Speed Through Concord, NC Insurance Shopping
Concord is a racer's town. The city boasts the Charlotte Motor Speedway, a drag strip near the NASCAR track, and the HQs of several top racing teams. Before you speed to a decision about your auto policy, check out these stats. In 2007, the average North Carolinian spent just $591 on auto insurance -- more than $200 less than what the average US driver paid ($795). Searching deeper, we see that North Carolinians paid $235 for collision, $110 for comprehensive, and $355 for liability. Those are pretty good numbers. But if you speed (and get caught), your rates can inflate well above average. Indeed, you might be surprised at how certain seemingly "ticky-tack" mistakes can add up and jack up your Concord, NC insurance rates. For instance, if you are late on bills, your credit score might drop, and this can impact your rates negatively. (Likewise, if you get into an accident, get a speeding ticket, or make big claims, your rates will suffer.)
The good news is that you can battle back by making adjustments. Take a defensive drivers course, install better safety features in your car, raise your deductible, and apply for discounts (such as a good student, senior citizen, or low mileage discounts).
Don't focus merely on the upfront price tag. If you skimp on insurance, you set yourself up for financial disaster. Consider bodily injury liability coverage. In NC, according to early 2010 laws, drivers had to carry bodily injury protection of $30,000 per person and $60,000 per accident. That's really very light coverage -- most professionals would recommend that drivers get significantly more -- something like $100,000 bodily injury per person and $300,000 bodily injury per accident. After all, say you go with the minimum. Then you get into an injury accident. The hurt party sues you for medical bills and lost wages. Do you really think $60,000 will be enough? What if you shattered someone's tailbone, and now you have to pay their chiropractic costs for years (if not decades!)? The point is, adhere to the principle of "get your Concord, NC insurance quotes down," but don't neglect to protect yourself against exposures.
Locating Concord, NC Insurance Quotes Now
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