When it comes to auto insurance, residents in the greater Matthews, NC area can count on the team at JC Demo Insurance Group. There are so many great features now available when it comes to auto policies, it may be time for an upgrade!

Popular auto insurance features

When it comes to auto insurance, there have been a lot of changes recently! In addition to the protection that you can get for collision and liability, there are also a number of great features that are available to drivers in North Carolina.

For example, there is no need to have a third-party roadside assistance service when you can have that service included in your policy. There are also benefits available, like bundling and safe driver discounts. Some insurance providers even offer decreasing premiums. This means that as you extend your safe driving record, your premiums can decrease over time. 

It only makes sense to review the many features that are now available to see which are appealing to you. Safe drivers can really reap some great rewards when they choose a policy that rewards them for a clean driving record. Who wouldn’t want to see their auto insurance premium decrease all the way to zero?

When you work with a local agent who understands your needs, you will be more likely to find a policy that is a great fit for your needs. Choosing your auto policy over the computer is not always the best way to go.

Find out more today!

Matthews, NC area drivers may be surprised by all of the features that are now available with auto policies. If you would like to learn more, give the team at JC Demo Insurance Group a call today. We look forward to working with you!

Whether you have just bought your first vehicle or you are shopping around for new insurance for your current vehicle, the truth is that no coverage is exactly the same. There are many types of car insurance to choose from. You can pick and choose the right plan to fit your budget. 

So, what are the types of insurance that you may want to consider? 

Most basic plans just include liability insurance. This will protect you if you injure someone in a car accident. It will pay their medical bills. It will also cover property damage if you do damage to someone’s fence or garage. 

If you are worried about your car (and you don’t want to have to buy another one out of pocket), you may want to consider collision insurance. This will cover the damage to your car if you are in an accident. If it is totaled, the insurance company will give you fair value so that you can buy a new one. 

If you want to be fully protected, you may want to get uninsured or underinsured insurance. This will pay for any damage that the other person’s insurance won’t cover. It will start covering after they won’t pay anymore. 

You may also want to consider getting comprehensive insurance that pays for damages that may happen when you aren’t behind the wheel. This may include fire damage, along with storm damage. It also covers theft and vandalism. 

If you want to make sure that you have the right coverage for yourself, you should contact a professional. Here at JC Demo Insurance Group in Matthews, NC, we would be glad to talk to you about your options. 

Owning a car comes with a great sense of freedom but also requires you to show financial responsibility. And speaking of financial obligations, car insurance is an investment that you have to think about during your vehicle ownership journey. Why? Car insurance can come to your rescue when you least expect it.

But who needs car insurance in Matthews, NC?  JC Demo Insurance Group shares persons that need auto insurance.

Those that want to comply with the law

Like most states, North Carolina requires motorists to show proof of insurance ownership when driving on public roads. If you are about to own a car in North Carolina, the law requires you to buy auto insurance with the below minimums:

• Bodily injury liability of $30,000 per person and twice the amount if you cause an accident affecting several persons.
• Property damage liability (PDL) with a minimum of $25,000

Failure to carry the required auto insurance may result in non-compliance fines and penalties. Besides, you may be required to foot all the bills for the accidents you are at fault for.

Those that don’t want financial losses

Besides compliance, if you want to safeguard your financial security, you must invest in car insurance. Think of the financial implication if you cause an accident, and you don’t have insurance?

Firstly, you have to cater to medical expenses for injuries you cause. Secondly, you are responsible for property damage you cause to third parties. Thirdly, you have to finance the repair of damages to your car. And finally, if you are sued, the financial burden would be too much to bear.

Buy auto insurance in Matthews NC

Ready to get started with auto insurance? Would you please look no further than JC Demo Insurance Group? After listening to your needs, we will tailor-make a car insurance policy that caters to your unique needs.

When you have a vehicle in North Carolina, it is required to have the coverage mandated by state law. It’s also the law that you must have proof of your insurance when asked for it. To get the auto insurance that you need, give us a call at JC Demo Insurance Group in Matthews, NC.

Bodily Injury Liability

This coverage will cover accidents that are your fault when someone else is injured by the accident. The state requires you to have at least the required minimum amount for one person who gets injured in an accident. There is another number that is required for two or more people who become injured in the accident. 

Property Damage Liability

There is a set minimum amount of this coverage required for all motorists. This coverage pays for the damage done to someone else’s property in an accident that you are at fault for. 

Uninsured/Underinsured Motorist Coverage

This is another required type of coverage that is helpful when someone who causes an accident doesn’t have enough insurance to pay for your injuries and property damage, or they simply have no insurance at all. This coverage also covers the injuries and damage caused by a hit-and-run driver.  The amount of this that you get is generally tied to the limit of your bodily injury liability protection. 

Other Coverage

When you get all of these coverage types, there is no coverage for damage done to your vehicle if you were the cause of an accident. There is also no coverage for other incidents that can happen to your vehicle when it’s off the road. Many people add collision coverage and comprehensive coverage to cover these situations. 

Get Your Auto Coverage

If you don’t have the required insurance types for North Carolina, you aren’t driving legally, and you face fines and fees. To get your vehicle covered, call us at JC Demo Insurance Group in Matthews, NC.

It’s summer and thoughts are turning to vacation. If you are flying to your destination, you may be renting a car when you get to your chosen spot. Online reservations are the most common these days and as soon as you choose the dates, the location, and the type of vehicle you want you will be confronted with a variety of insurance options. To know what you need can be confusing. Having an independent insurance agent who knows you and whom you trust can help. In Matthews, NC, you can count on JC Demo Insurance Group to have your back. 

When determining the amount of coverage you might have for a rental car, it depends a great deal on exactly what your auto coverage on your primary vehicle looks like. If you have basic coverage only, that is what you will have on the rental. If you get into an accident, you will have liability protection but nothing else. That is not going to be acceptable to the rental car company. You need to protect their vehicle which chances are is new and expensive. 

If you don’t have collision and comprehensive on your own vehicle you need to get that coverage either through the rental company or through your credit card if you happen to have that type of coverage with your card. Check with your insurance agent about the amount of coverage you have, and it is a wise idea to call your credit card company to verify what coverage they offer.

If you want peace of mind, you should probably just get the LDW (loss damage waiver)  the rental car company offers but if your liability coverage is adequate on your policy don’t add any additional liability they may offer.  

At JC Demo Insurance Group in Matthews, NC, our experienced team will be here to guide you through all your insurance questions and needs including rental cars. 

People that are in and around Matthews, NC will likely want to own a vehicle. If you do own a vehicle here, getting around the community will be much easier. Along with buying a car, you also need to enter into a quality insurance plan. Those that are vehicle owners in this area of the state will need to carry this insurance coverage for a few reasons. 

Insurance Will Ensure Compliance

A reason that you will need to get an auto insurance plan is that it will ensure you stay in compliance with various requirements. Insurance for a vehicle is almost always required as car owners need to have liability insurance in order to drive a car legally. Also, many vehicle owners will take out a car loan to buy a car and need to maintain collision and comprehensive insurance protection. 

Insurance Offers Valued Coverage

Even if you are not obligated by a lender or the state to carry insurance, having it is still a good idea. Those that would like to purchase a vehicle will want it to last for a long time. If you are a victim of theft or involved in an accident, your auto insurance can provide you with valued support. This could help ensure that you are able to repair or replace your car in the future. 

When you are looking for auto insurance in the Matthews, NC area, it would be a good idea to call JC Demo Insurance Group. If you are looking for insurance when you are in this area, JC Demo Insurance Group can help you better assess your needs. They can provide the guidance that is needed to evaluate your options and pick a plan that is right for your situation. 

The better you know your insurance policy, the safer you’ll be driving around Matthews NC. Here are three things most drivers don’t know about auto insurance:

1. More expensive vehicles don’t always cost more to insure. The value of a car is one factor, but insurance companies are weighing that against a thousand other factors, too. A safer car is almost always going to cost less to insure, even if it cost more to buy.
2. Classic car insurance doesn’t just mean "old cars." You can get almost any car covered under a classic insurance policy, but it’s not always worth the hassle, even for classic cars. Under a classic car policy, there may be limits to how often you can drive your own car. So for many drivers, a standard policy is just fine, even on a classic Mustang.
3. You’re not covered for business driving. You’re covered for getting to and from work, you may be covered for limited business use. But you’re probably not covered under your personal policy for delivering pizzas, making bank runs, or driving clients around town. You’ll need to talk to your insurer about extending your policy to business activity if you’re planning to run a company out of your driver’s seat.

If you have any questions, or if you’re ready to sign with a new insurance provider, get in touch with JC Demo Insurance Group. The right agency can get you the right policy by looking through all of your options and finding the one that works best for you, and that’s what Matthews NC drivers can get from JC Demo Insurance.

In the state of North Carolina, owning a car is a great option and investment. Those with a car will enjoy the convenience that it can provide. People that live in the Matthews, NC area will always benefit from having a proper insurance policy. There are several situations when someone here is going to need to have an appropriate auto insurance policy. 

When Taking Out a Loan

A common situation when people in this state need to have auto insurance is when they are getting financing for the vehicle. Buying a vehicle is a big purchase and a lot of buyers have to take out a loan to complete the purchase. If you do decide to take out an auto loan when you are buying a car, you will have to comply with your lender’s auto insurance requirements.

When Trying to Comply with Law

You will also need to have an auto insurance policy when you are trying to comply with the law. People that are all over the state of North Carolina are bound by state laws regarding having at least some liability insurance. If you do not have this insurance coverage, you will not have protection if you cause damage in an accident. Due to this risk, all drivers are required by law to carry liability coverage and those without it could face penalties.

Picking the right auto insurance policy in the Matthews, NC area should be taken very seriously. If you are going to pick a new insurance policy here, you should call the JC Demo Insurance Group. Anyone that speaks with the team at the JC Demo Insurance Group can learn about their insurance options and get into a proper policy that will ensure full compliance with the law and all requirements. 

Choosing and buying auto insurance coverage might not be an easy task, especially if you have never done it before. There are also plenty of myths and misconceptions that do not let you make an informed decision and get the policy you really need. In order to assist you, JC Demo Insurance Group serving clients from Matthews, NC and other surrounding areas has prepared the list of common myths about car insurance that have nothing to do with truth:

It Is More Expensive To Insure Red Cars

The truth is that if you a red car owner, you have nothing to worry about – you will not have to pay more for your insurance just because of the color of your vehicle. Insurance companies consider other factors, such as the type of your vehicle (its model, age, body type, and engine size) and your behavior as a driver. They also care about the safety features of your car, how much it costs to repair in case of an accident, and how popular the car is with thieves. 

It Is Enough To Get the Minimum Coverage

Unfortunately, in most cases, it is not enough to have the minimum coverage required by the state of North Carolina. The minimum coverage will not cover your personal injuries or the injuries of your family members. It will not even cover the damage to the vehicle completely. For this reason, in order to have proper protection on the road and peace of mind, you will have to have additional coverage. 

Older Driver Pay More For Their Car Insurance

It is not true. Actually, there are certain discounts available to older drivers. For example, drivers at the age of 55 and older are eligible for a discount on their premiums if they successfully complete an accident prevention course. 

If you are currently looking for proper car insurance in the state of North Carolina, JC Demo Insurance Group serving Matthews, NC is ready to assist you and help you find an insurance plan based on your needs and budget. Do not hesitate to contact our agency to discuss the available options. 

In Matthews, NC, the agents of JC Demo Insurance Group can help you keep your vehicle protected even if it has to be placed in storage. Putting your car in storage takes it off of the road, but it doesn’t eliminate all of the different risks it may be exposed to. Making sure it is properly insured at all times is the best way to protect your investment.

Reasons for Storing Your Car

There are several reasons for putting your car in storage. One of the most common is that it is a second vehicle and that won’t be driven if you go on a lengthy vacation or return home for the summer. Individuals who live in North Carolina for only a few months out of the year, often have a vehicle at their winter home for added convenience. Putting it in storage helps to keep it safe during the long months that you are away.

Making Sure It Is Properly Insured

Just because your vehicle isn’t being driven on the road, doesn’t mean all of your risks are put to rest. Your car may be stolen or damaged by vandals. It could possibly be damaged by something falling on it if the building it is stored in is compromised in any way. Making sure it is properly insured is the best way to reduce your risk and protect your investment.

The agents of JC Demo Insurance Group are always available to help residents living in the Matthews, NC area find the right coverage for their vehicles. This includes when they have to be placed in storage for any length of time. Call and schedule an appointment with an agent today!