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There is no one price, one policy for all law in any of the states. The only thing that’s not optional is the requirements. What’s optional for you, the consumer, is how much more coverage you want and the ways you can save on the cost. Competitive rates can help you get the best of the deals in finding the insurance you want. Always double check the rates you have now to make sure you’re getting the best auto insurance rate in Charlotte for the coverage you carry.