Auto Insurance
Car insurance provides financial protection against losses from accidents, theft, or damage. It typically covers liability for injuries or property damage to others, as well as coverage for the policyholder’s own vehicle, depending on the chosen policy. Common types of coverage include liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments (or personal injury protection). Auto insurance helps drivers manage risks by covering repair costs, medical expenses, and legal fees in case of an accident. Auto insurance is required in the state of North Carolina. Here at our agency, we also can provide coverage for Motorcycles, Boat, ATV, Golf Carts, and Rv’s.
Find the Right Coverage:
We compare the rates between companies to find policies that best fit you. Here’s a list of our companies:
- Progressive
- National General
- Auto Owner
- Penn National
How to understand your coverage;
1. Liability Coverage (Bodily Injury & Property Damage)
What it covers: Pays for injuries and damages you cause to others in an accident.
Scenario: You accidentally run a red light and hit another car. The other driver suffers a broken arm, and their car needs repairs. Your liability coverage pays for their medical bills and car repairs but not your own damages.
2. Collision Coverage
What it covers: Pays for repairs to your own car after a collision, regardless of who is at fault. This has a deductible which means you pay an amount before the insurance company pays for the damage.
Scenario: You lose control on an icy road and crash into a tree. Your collision coverage pays for your car repairs or replacement if totaled.
3. Comprehensive Coverage
What it covers: Covers non-collision-related damages, such as theft, vandalism, natural disasters, or animal collisions. This has a deductible which means you pay an amount before the insurance company pays for the damage.
Scenario: A hailstorm damages your car, or a deer jumps in front of your vehicle, causing damage. Comprehensive coverage pays for repairs.
4. Uninsured/Underinsured Motorist Coverage
What it covers: Helps cover your medical expenses and damages if an uninsured or underinsured driver causes an accident.
Scenario: Another driver runs a stop sign and hits your car, but they don’t have insurance. Your uninsured motorist coverage helps pay for your medical bills and car repairs.
5. Personal Injury Protection (PIP) or Medical Payments (MedPay)
What it covers: Pays for medical expenses for you and your passengers, regardless of fault.
Scenario: You're in a minor accident, and you and your passenger suffer minor injuries requiring hospital visits. PIP or MedPay covers medical bills, even if the accident was your fault.
State Minimum Auto Insurance Limits
Each U.S. state has its own minimum liability insurance requirements that drivers must carry to legally operate a vehicle. These limits are usually expressed as three numbers (e.g., 30/60/25) and refer to coverage amounts in thousands of dollars. Here’s what each number represents:
Example: 30/60/25 (Common Minimum Limit in Some States)
$30,000 Bodily Injury Liability per Person → Pays up to $30,000 for injuries to one person in an accident.
$60,000 Bodily Injury Liability per Accident → Covers up to $60,000 total for all injuries in one accident.
$25,000 Property Damage Liability → Pays up to $25,000 for damage to another person’s vehicle or property.
Requirements to quote:
1. Personal Information
- ✔ Full Name & Date of Birth – Used for identity verification and pricing.
- ✔ Address & Zip Code – Determines risk factors based on location (e.g., crime rates, accident frequency).
- ✔ Marital Status – Married individuals may receive lower rates.
- ✔ Driver’s License Number & State – Needed to check driving history.
- ✔ Social Security Number (SSN) (Optional) – Some insurers check credit history to determine rates.
- ✔ Occupation & Employment Status – Some jobs qualify for discounts.
2. Vehicle Information
- ✔ Year, Make & Model – Affects repair costs, safety ratings, and theft risk.
- ✔ Vehicle Identification Number (VIN) – Provides exact details about your car.
- ✔ Ownership Status – Leased, financed, or owned outright (lenders may require full coverage).
- ✔ Mileage & Usage – Annual mileage and if the car is for personal or business use.
- ✔ Safety Features – Anti-lock brakes, airbags, alarms, and anti-theft devices may qualify for discounts.
3. Driving History
- ✔ Years of Driving Experience – Newer drivers may have higher premiums.
- ✔ Past Accidents & Claims – Affects risk level and rates.
- ✔ Traffic Violations & DUIs – Speeding tickets, reckless driving, or DUIs can increase premiums.
- ✔ Previous Insurance Coverage – Lapses in coverage can lead to higher rates.
4. Coverage Preferences
- ✔ Liability Coverage – Required by law; covers injury/damage to others.
- ✔ Collision Coverage – Pays for damage to your vehicle in an accident.
- ✔ Comprehensive Coverage – Covers non-collision damages (theft, fire, vandalism, weather).
- ✔ Uninsured/Underinsured Motorist Coverage – Protects you if an uninsured driver hits you.
- ✔ Deductible Preference – Higher deductibles lower monthly premiums but increase out-of-pocket costs in a claim.
5. Additional Coverage Options (Optional)
- ✔ Roadside Assistance – Covers towing, flat tires, and lockouts.
- ✔ Rental Car Reimbursement – Pays for a rental while your car is being repaired.
*Document of the auto quote*