Charlotte, NC

Living in Charlotte, North Carolina offers many benefits including the charm of the city’s southern hospitality. However, just like most major metropolitan centers in the United States, residents of Charlotte must have liability coverage on their motor vehicles. Failure to provide proof of the minimum amount of coverage including $150,000 for property damage, $25,000 for injuries per person per accident and an addition $50,000 to cover all injuries can result in a car not being registered. It’s easy to see why it might be appealing to simply go out and purchase this no-frills type policy, but that’s only going to be adequate in a few instances.

Most of us just need more coverage than that. It might be because we drive a car that is new or newer or it might be because we simply don’t feel comfortable about the idea of having such limited coverage in the event an injury does occur. For this reason, there are many insurance companies in Charlotte, North Carolina all offering some form of car insurance coverage that is meant to appeal to the bulk of drivers. Finding the right policy that still offers cheap rates can be a challenge, but it certainly can be done.

One of the best and most effective ways to lower car insurance rates for anyone, regardless of the type of car they drive, or their driving record is to request a higher deductible. Many insurance companies give quotes based on a deductible of $250. This is the standard amount that most people would pay should they have to cover the deductible on a claim. When the deductible is higher, the individual agrees to the premise that they’ll pay the additional amount in exchange for a lower insurance rate. For someone who rarely, if ever, makes a claim, this is a great way to secure cheap car insurance in Charlotte, North Carolina.

The Charlotte, North Carolina City Council had planned to vote on a new affordable housing policy late last year. A public hearing, at which several concerns and complaints were raised, caused them to delay the vote for several months.

The Council proposed a policy that would only allow affordable housing to be developed in areas designated as “stable,” meaning crime and unemployment rates are low, neighborhoods are well-kept, and employment opportunities are easily accessible. Also, the new policy only allows existing structures to be converted to low-income housing if less than five percent of housing stock in the neighborhood is already categorized as “affordable.”

Developers and other affordable housing advocates voiced their concern with the proposed changes at recent public hearings that the proposed policy would make low-income housing construction both difficult and unappealing for developers, and – consequently – all but impossible in Charlotte. Much of the land that is currently available in Charlotte is in areas that already include a much higher percentage of low-income housing stock.

At a recent hearing, it was suggested that the limit is raised to 15 percent. The higher percentage would make additional tracts of land, and some existing structures, available for low-income development. The suggestion and other concerns that were voiced at recent hearings causing the City Council to chose to delay its vote until later this year. Because a decision has not yet been made, developers and other low-income housing advocates are encouraged to weigh in on the discussion by contacting Charlotte City Council members.


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