Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

North Carolina Insurance Guide

As one of the last southern states to secede from the Union, North Carolina has always had a bit of an independent streak. Their insurance regulations are just as independent as the rest of the state’s policies.

North Carolina Auto Insurance

North Carolina auto insurance does not require personal injury protection but do require uninsured motorist coverage. In addition, this at-fault state requires both bodily injury liability and property damage liability. The state requires a minimum of $25,000 in coverage for property damage, $30,000 for a single-person bodily injury and $60,000 for multiple person injuries.

North Carolina Health Insurance

North Carolina health insurance regulators have created a state-subsidized high-risk insurance pool for individuals unable to get coverage-which is a good thing since the state does not require insurers to issue guaranteed individual policies on applicants with pre-existing conditions. Some North Carolina health insurance customers will benefit from the state’s allowance of state income tax deductions for health saving account (HSA) contributions.

Small groups in the state of North Carolina can be as small as one person and insurers are required to issue a policy to these self-employed individuals. However, those with pre-existing conditions who have had a break in coverage for 63 or more days in the past 6 months will find that their condition can be excluded from coverage for up to 12 months. Rate bands are in place to keep group rates affordable.

North Carolina Home Insurance

North Carolina home insurance regulators are working to provide insurance credits for homeowners who storm-proof their homes. This would help reduce the premiums for hail and wind coverage. While North Carolina home insurance regulations do not require all homeowners to have insurance, the state’s exposure to both hurricanes and tornadoes makes home insurance an important purchase.

North Carolina Life Insurance

In 1974 North Carolina life insurance regulators created the North Carolina Life and Health Insurance Guaranty Association to provide benefits to life insurance policyholders whose insurer had become insolvent. They provide up to $300,000 in death benefits to affected consumers.

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