Whether you're considering setting up business in North Carolina, or you've been a lifelong resident of the state, you know you need to have auto insurance. After all, it is the law. But don't you hate to find out that you're overpaying? You sure could use that money more lucratively somewhere else in your business.

Evaluating your options for auto insurance in North Carolina can be a painstaking process. How can you evaluate the many different options for North Carolina car insurance, especially if you're relocating to the area and you're not familiar with the insurance companies?

Narrow the field of possible candidates by getting different quotes and evaluating the level of personalized service you need for your business. You should realize that North Carolina auto insurance rates may vary widely, depending on:

1. How much insurance you need for your business.
2. Whether you're looking for personal auto or business auto insurance.
2. What type of auto you are insuring and the year of the vehicle.
3. Your driving record, as well as the record of other drivers using the vehicle.
4. Your credit report.

Action Steps
The best contacts and resources to help you get it done

Let local North Carolina auto insurance companies compete for your business

When searching by the terms 'auto insurance NC' or 'Car insurance NC,' don't forget to consider national insurance providers. They not only can provide personalized service, but may offer a discount if you also insure your home or personal autos with their company.

I recommend: See how North Carolina auto insurance companies stack up to national biggies at Automobilemag.com. You can search by county for the best deals. Benfield Auto Insurance is a good source for all of your insurance needs, including North Carolina auto insurance for businesses. Fill out their online quote for your commercial vehicles. Visit the Insurance Doctor, serving only North Carolina and South Carolina, for a quote on NC auto insurance from 40 different companies.

Shop the national companies that offer competitive rates on auto insurance in NC

The big companies may have insurance down to a science, but they do not offer the personal service you require for your business. When comparing rates, also make sure you are comparing apples-to-apples, and not personal to business rates.

I recommend: Start off your search for North Carolina auto insurance at Car Insurance. A company like Geico allows you to manage your NC car insurance policy completely online, but also has phone representatives available 24 hours a day. If you're familiar with a company like Allstate, you can get the personal service you may be used to in Fayetteville, NC.

Don't forget about associations and groups to help you save on car insurance in NC

Well-known organizations may offer deals or discounts for auto insurance for members only, as well as other services. Consider affiliations you already have, including alumni associations or the local Chamber of Commerce.

I recommend: Contact the American Automobile Association or AAA for great deals on NC auto insurance. For military families, the USAA offers plenty of perks and discounts.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  You will need proof of NC auto insurance when you register your vehicles with the Department of Motor Vehicles.