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New Car Insurance: Why Waiting 30 Days is a Costly Mistake 🛑

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Why Waiting 30 Days to Add Your New Car Could Cost You Thousands: The Complete Checklist Do You Really Have 30 Days? (The Short Answer) Yes, but it's dangerous. In North Carolina, automatic coverage for a new vehicle matches the coverage you currently have , not necessarily the coverage you need. If you trade a car with "Liability Only" for a brand new SUV, that new SUV has zero Collision or Comprehensive coverage during the grace period (typically 4–30 days). If you wreck it driving home, the payout is $0. Watch the Video Version Share this warning: Share Post Email Copy Table of Contents ...

NC Car Insurance Rates Rising in 2026: Why We’re Paying More 📈

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Why Are North Carolina Car Insurance Rates Rising in 2026 While National Premiums Drop? North Carolina car insurance rates rose by 5% in 2026 due to unique state legislation that doubled minimum liability coverage (50/100/50) and extended the inexperienced driver surcharge period from three to eight years. While national premiums dropped 6%, these regulatory updates and rising high-tech repair costs created a localized price increase. Watch the Video Version Share Post Email Copy Jump To: The Rate Disconnect New Liability Laws The 8-Year Surcharge Future of Rates What You Need to Know National vs. Local: US rates dropped 6%, but NC rates rose 5% due to state-specific regu...

NC DMV Points vs. Insurance Points: The 2026 Ultimate Comparison 🚦

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NC DMV Points vs. Insurance Points: 2026 Comparison Table The Quick Answer: They Are Not The Same NC DMV Points count toward suspending your driver's license (12 points in 3 years = suspension). Insurance Points (SDIP) determine how much extra you pay for coverage. A single ticket often creates points on both systems, but Insurance Points hit your wallet immediately—potentially raising rates by 340% under current 2026 NC laws. Share this guide: Share Post Email Copy Link Jump to section: The Two Systems The Real Cost 2026 Data Table How To Fix It ...