Cheap Auto Insurance Quotes in Southmont, NC

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North Carolina Car Insurance Averages for Annual Premiums

$444
Minimum Coverage Average
$1378
Full Coverage Average
$839
All Coverage Types Average

Save Big on Southmont NC Vehicle Insurance

A great place in North Carolina, Southmont is home to 978 residents.  The residents identify as being 50% male and 49% female.  The population is 16% children, 64% adults, and 19% seniors.  But demographics don't tell the entire story of Southmont.  That's why it's a must to hit the road and discover the Southmont area.  Just make sure you have adequate auto insurance before leaving home.

Cheapest Car Insurance in Southmont, NC

Getting cheap car insurance in Southmont, NC doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle you purchase

Make sure you ask the agent you speak with about what you can do to get North Carolina affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Southmont, NC

The Insureist™ Data Science team ranks the best insurance companies in North Carolina using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in North Carolina are determined based on these results.

Car Insurance in Southmont, NC

North Carolina Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in North Carolina to give you an idea of the average insurance premium in each city.  NC insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Southmont, NC Car Insurance Quotes

The cheapest insurance companies in North Carolina will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in North Carolina. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of North Carolina.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for NC car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for NC auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some NC insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Southmont, NC SR‌-22 Insurance

You will need to get SR‌-22 insurance in NC if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DMV/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in NC files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Southmont, NC Car Insurance & Driving Facts

Which car insurance is best in Southmont, NC?

The best car insurance company in Southmont, NC will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple NC insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Southmont, NC?

The minimum auto insurance liability coverage required in Southmont, NC is 30/60/25. This means that you must by law have at least the following coverages: $30000 bodily injury coverage per person, $60000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in North Carolina, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional NC auto insurance coverage depending on your financial situation.

How much does car insurance cost in Southmont, NC?

The average annual cost of an auto insurance policy in North Carolina is $839. The average minimum coverage annual cost in North Carolina is $444. The average full coverage annual cost in North Carolina is $1378.

How does car insurance work in Southmont, NC?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Southmont, NC?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Southmont, NC Map

Southmont, NC

North Carolina

Vehicle Insurance

Cities

Southmont is an unincorporated community and census-designated place (CDP) in Davidson County, North Carolina, United States. As of the 2010 census it had a population of 1,470. It is located along North Carolina State Highway 8 on the northern shores of High Rock Lake. There is an organized effort underway to incorporate the community as "The Village of Southmont".[citation needed]

The community was founded in 1883 as "Fairmont" with the approval of a post office. The postmaster was Samuel S. Peacock from April 19, 1883, until it closed August 30, 1906. It was located in a country store operated by Mr. Hedrick near where the railroad crosses Hwy 8 today. Within 10 years, however, the community had failed to thrive and the store closed, with the post office surrendering its charter.

Just after the turn of the 20th century, another store opened where the previous store stood, and an attempt to reopen the post office was declined by the postmaster general. It seems that another community had claimed the name "Fairmont". The name "Southmont" was chosen instead to receive the approval of a post office with Meriles S. A. Michaels as the postmaster on March 11, 1911. A village grew up around the crossroads of where the new Winston-Salem Southbound Railway rail line had crossed the road to Lexington.

During the 1920s the town had multiple stores, the county's first consolidated brick school, various churches, the Star Furniture Company, and the Wall Lumber Company. The hotel thrived for a time. Dr. Alvin York set up a practice in town. The Baptist churches of the area included Holloways Baptist Church, Stoners Grove Baptist Church and the First Baptist Church of Southmont. Macedonia Methodist Church was also active by the time the lake was created.

By 1926, with the creation of High Rock Lake, many of the bridges and roads changed or closed, the railroad was elevated, and the route crossing the river changed. Other roads were rerouted as the geography changed. Coupled with the Great Depression, much of the town died, but the school and churches remained. Fires claimed the two industries and the famous eight-gable hotel building, and by the early 1950s with train travel no longer being the favored means of travel, the station closed.

The new Central Davidson High School opened in 1957, with students from the Southmont High School now attending CDHS. The school became grades 1-8 and by the early 1960s people began to build summer cottages at High Rock Lake. 1967 witnessed racial integration of the schools.

By 1972, a temporary middle school was created using an abandoned school at the Junior Order Children's Home, and the 8th grades were consolidated there creating CDJH. During a 1979 bridge repair, Hwy 8 was closed for nearly two years and much of the lake was found to have mercury contamination from a battery plant upstream. Again, businesses closed and the school closed in 1981, consolidated with Linwood near Cotton Grove, known as Southwood. The Southmont Volunteer Fire Department was created in 1958.

Over the past 10 years the community has again seen a resurgence of growth, with multiple small businesses, a new school, new post office, expanded churches, a new fire station, an array of other local civic and community groups, and significant population growth to the lake areas in and around Southmont.

Source

North Carolina () is a state in the Southeastern region of the United States. North Carolina is the 28th largest and 9th-most populous of the 50 United States. It is bordered by Virginia to the north, the Atlantic Ocean to the east, Georgia and South Carolina to the south, and Tennessee to the west. Raleigh is the state's capital and Charlotte is its largest city. The Charlotte metropolitan area, with an estimated population of 2,569,213 in 2018, is the most-populous metropolitan area in North Carolina, the 23rd-most populous in the United States, and the largest banking center in the nation after New York City. The Raleigh-Durham-Cary combined statistical area is the second-largest metropolitan area in the state, with an estimated population of 2,079,687 in 2019, and is home to the largest research park in the United States, Research Triangle Park.

North Carolina was established as a royal colony in 1729 and is one of the original Thirteen Colonies. North Carolina is named in honor of King Charles I of England who first formed the English colony, Carolus being Latin for "Charles". The Halifax Resolves resolution adopted by North Carolina on April 12, 1776, was the first formal call for independence from Great Britain during the American Revolution. On November 21, 1789, North Carolina became the 12th state to ratify the United States Constitution. In the run-up to the American Civil War, North Carolina declared its secession from the Union on May 20, 1861, becoming the 10th of eleven states to join the Confederate States. Following the Civil War, the state was restored to the Union on July 4, 1868. On December 17, 1903, Orville and Wilbur Wright successfully piloted the world's first controlled, sustained flight of a powered, heavier-than-air aircraft at Kill Devil Hills in North Carolina's Outer Banks. North Carolina uses the slogan "First in Flight" on state license plates to commemorate this achievement, alongside a newer alternative design bearing the slogan "First in Freedom" in reference to the Mecklenburg Declaration and Halifax Resolves.

North Carolina is defined by a wide range of elevations and landscapes. From west to east, North Carolina's elevation descends from the Appalachian Mountains to the Piedmont and Atlantic coastal plain. North Carolina's Mount Mitchell at 6,684 feet (2,037 m) is the highest-point in North America east of the Mississippi River. Most of the state falls in the humid subtropical climate zone; however, the western, mountainous part of the state has a subtropical highland climate.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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