Spencer Mountain Car Insurance Resources

Spencer Mountain, NC Car Insurance

Cars Insured in Spencer Mountain

^ There are an estimated 28 vehicles currently insured in Spencer Mountain. ^[1]

Car Insurance Rates in Spencer Mountain

^ From 2006 to 2010, North Carolina cities had the 45th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Spencer Mountain

^ There are an estimated 3 uninsured motorists driving in Spencer Mountain. ^[3]

Spencer Mountain Car Insurance

Car Insurance Liability Requirements in Spencer Mountain

Minimum Liability Limits in Spencer Mountain: 30/60/25 ^[4]
- 30 Required coverage up to $30,000 for one individual injured in an accident
- 60 Required coverage up to $60,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Spencer Mountain

Spencer Mountain Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Note: Underinsured motorist coverage is mandatory in policies with uninsured motorist limits exceeding 30/60.

Car Insurance Verification Laws in Spencer Mountain

Insurer Verification of Auto Insurance in Spencer Mountain ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Spencer Mountain Car Insurance Facts, Estimates & Related Laws

Spencer Mountain Car Insurance Stats

Number of Auto Insurance Policies in Spencer Mountain
- Based on historical and current data, 28 cars are currently insured in Spencer Mountain. ^[5]
- North Carolina cities collectively ranked 8th in the nation in auto insurance policies in 2011 with a total of 7,168,023. ^[1]
Uninsured Motorist Rate in Spencer Mountain
- Based on historical and current data, Spencer Mountain has an estimated 3 uninsured drivers. ^[6]
- North Carolina cities collectively had the 23rd highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Spencer Mountain
- North Carolina cities collectively had the 45th highest auto insurance rates in the nation in 2010. ^[2]

Spencer Mountain Distracted Driving Laws

Hand-held phone ban? No
Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[7]

Young drivers cell phone ban? Yes

Ban applies to drivers younger than 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Spencer Mountain Automotive Laws

Minimum Driving Age in Spencer Mountain ^[9]
- Spencer Mountain, NC minimum driving age: 15 years.
Driver's License Renewal Cycle in Spencer Mountain
- Renewal cycle: 8 years ^[7]
Motorcycle Helmet Laws in Spencer Mountain
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Spencer Mountain
- Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in all seats. ^[7]
- Child restraint law in place for 7 years and younger and less than 80 pounds. ^[7]

North Carolina Car & Driver Facts

North Carolina Auto Registrations

Auto Registrations in NC ^[8]
- Registered Cars: 3,264,444
- Registered Trucks: 2,743,261
- Registered Motorcycles: 223,305
- Total Registrations: 6,249,592
- Rank: North Carolina ranked 12th in the United States in total auto registrations in 2011.

North Carolina Automotive Facts

Speed Limits in NC
- Rural interstates: 70 mph ^[7]
- Urban interstates: 70 mph ^[7]
- Other roads: 55 mph ^[7]
North Carolina Motor Fuel Consumption
- North Carolina cities collectively ranked 9th in the nation in total motor fuel consumption in 2011. ^[10]

North Carolina Licensed Drivers

Licensed Drivers in NC ^[11]
- Female Drivers: 3,382,446
- Male Drivers: 3,186,895
- Total Drivers: 6,569,341
- Rank: 10th highest in the U.S.

Additional information about Spencer Mountain, NC

About Spencer Mountain

Spencer Mountain (North Carolina) is a town with a population of 37 ^[12] that is located in Gaston County.

More about Spencer Mountain auto insurance

For more information about Spencer Mountain car insurance, or for additional resources regarding North Carolina car insurance overall, visit the North Carolina Department of Insurance.

Did you know?

Across all U.S. states, Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)