Matthews, NC 28105 has the small town atmosphere, but it’s next to Charlotte. It’s pretty difficult to avoid Charlotte if you live in Matthews. When you drive in and around Charlotte, the risk of an accident increases like it does in any big city, and if it’s a serious accident, minimum liability insurance isn’t nearly enough.

North Carolina requires the operator of any motor vehicle on its roads to be financially responsible. Applicable law requires minimum liability limits in North Carolina of $30,000 per person in liability coverage, $60,000 of liability per occurrence, and $25,000 in property damage coverage per occurrence. Although that minimum liability insurance is better than in many states, it’s still not nearly enough, particularly if an accident is caused by an uninsured driver. That’s just one of the reasons why you want the benefit of an independent insurance agent. We’re not just insurance agents. We’re trained, experienced and trusted financial advisors who are looking out for your best interests.

Any insurance agents can give a quote, but many agents don’t place your best interests first. Your independent insurance agent is a member of your Matthews community. We have access to coverage from many car insurance companies, and we provide the advantage of giving objective and unbiased advice and service, even if you have a claim. We stake our reputations in our community on our service.

You’re planning on being around for a long time, and you want your insurance agent to be around a long time too. Customer satisfaction is our goal. That’s our key to doing business in our little community. The policies we sell aren’t one size fits all. We’ll find the best car insurance policies and quotes available for you. That’s our promise.

Matthews, NC 28105 has the small town atmosphere, but it’s next to Charlotte. It’s pretty difficult to avoid Charlotte if you live in Matthews. When you drive in and around Charlotte, the risk of an accident increases like it does in any big city, and if it’s a serious accident, minimum liability insurance isn’t nearly enough.

North Carolina requires the operator of any motor vehicle on its roads to be financially responsible. Applicable law requires minimum liability limits in North Carolina of $30,000 per person in liability coverage, $60,000 of liability per occurrence, and $25,000 in property damage coverage per occurrence. Although that minimum liability insurance is better than in many states, it’s still not nearly enough, particularly if an accident is caused by an uninsured driver. That’s just one of the reasons why you want the benefit of an independent insurance agent. We’re not just insurance agents. We’re trained, experienced and trusted financial advisors who are looking out for your best interests.

Any insurance agents can give a quote, but many agents don’t place your best interests first. Your independent insurance agent is a member of your Matthews community. We have access to coverage from many car insurance companies, and we provide the advantage of giving objective and unbiased advice and service, even if you have a claim. We stake our reputations in our community on our service.

You’re planning on being around for a long time, and you want your insurance agent to be around a long time too. Customer satisfaction is our goal. That’s our key to doing business in our little community. The policies we sell aren’t one size fits all. We’ll find the best car insurance policies and quotes available for you. That’s our promise.

Purchasing car insurance probably isn’t the highlight of your week, but it doesn’t have to be a headache. For residents of Mooresville, NC and the surrounding area, the process might be simpler than you’d expect.

Take the time to stop here and get a live price comparison from some of the top insurance companies, then go from there. Our experienced independent insurance agents would love to talk to you about your coverage options to help you find the best deal. These are some of our top tips to help you save.

1. Don’t settle for minimum coverage.

It might seem illogical to pay more per month for extra coverage, but purchasing insurance beyond required NC liability is really a smart investment that can save you from financial disaster in case of an accident.

2. Know your options.

The following are the most common types of additional protection North Carolina drivers choose to protect their vehicles and the drivers in their family.

• Uninsured/Underinsured Motorist: Protects you if you’re hit by a driver without adequate insurance to cover your property damage or medical expenses.
• Collision Coverage: Pays for damage to your own property (up to the limits specified by your policy) and for personal injury damages. Minimum liability coverage generally only covers those risks to other drivers with whom you’re involved in an accident.
• Comprehensive Coverage: Pays for damage to your vehicle that’s not related to an auto accident. Examples include wind or hail damage, vandalism, or theft of your vehicle or personal property inside your vehicle.

3. Read through your policy before signing.

Before you decide on a policy, talk to one of our agents about exactly what it does and doesn’t cover. Make sure you know what your deductibles are, and don’t agree to a deductible higher than you could reasonably pay if you were in an accident. Our agents will take the time to talk to you to make sure you understand what is and isn’t covered, so take advantage of that before you commit to an insurance purchase.

Car insurance is one of those things that gives back pretty much what you put into it. If you're living in Monroe, NC and you purchase the state minimum insurance you need to be legal, meaning liability coverage for bodily injury and property damage, you'll stay out of trouble with the law, but you may be really disappointed if you're in an accident and there's no coverage to pay for your own damages. Maybe you're leasing your car or took out a new car loan to get it and your finance company requires you to get comprehensive and collision insurance. This is better, but it still doesn't help you if you need roadside assistance or a rental car. Only you can decide exactly what coverage is right for you, but it may be helpful to contact an agent to explain the options that are available.

Whatever type of insurance you decide to get, you'll find that a little time invested to find the right policy, the right agent, and the best price can pay huge dividends. The dollar amount of coverage you need is based on the value of your car and the amount of personal risk you're willing to take on. Another choice you'll have to make is the amount of the deductible you want to have. The higher your deductible is, the lower your payment will be, but the more you will have to pay out of pocket when you make a claim. Maybe you can decide on what you need for yourself, but these are also things you can discuss with an agent.

When looking for an agent in Monroe, we hope that we will be your first and last stop. We will help you to shop for auto insurance by answering your questions, helping you to choose deductibles, coverage amounts and types of coverage. You can also compare live quotes on auto insurance right on our website.

 

 

Getting the insurance policy that you need for your car in Indian Trail, NC can be an important part of avoiding any unnecessary hassles or concerns. The plan that is best for your goals and your budget can be easy to find when an agent is offering information and advice about your options.

Determining Your Requirements

Your requirements can differ significantly from the state standards, which only require liability protection on every vehicle. You may want to purchase a plan that protects your personal vehicle or that will pay for any injuries that occur, regardless of the expense associated with the medical bills.

By evaluating your concerns, you can determine that coverage that you need to feel confident in a particular policy. Compare several options before you determine that a particular plan is appropriate so that you can address every problem that you have identified as a concern.

Getting Assistance from an Agent

The best insurance agents for auto coverage are professionals who will provide information that you need, quotes from the top insurance providers in the area and advice to help you make a final decision based on the details that you have provided and the concerns that you want to address.

Agents offer a few key services that help you find policies that are appropriate. Furthermore, you can ask any question that arises so that you are making the best choice and you can gain assistance if you need to make a claim in the future.

Getting a plan that is appropriate for your car can seem complicated, especially if you are still trying to determine the coverage that is appropriate, but there are options to help you find the best plan. To learn more about your options, contact us to talk to an agent today.

An accident or a situation that causes damage to your car that is covered by your insurance policy can seem complicated, but the insurance company will usually have a set method of determining the value of the vehicle. Although there may be some room for negotiation if you feel that the amount is too low based on the current cost of the car, you should take time to research the possible value before determining that it is not appropriate or fair.

Cost of the Car

A key factor that your insurance provider will consider is the current cost of the car. The market value can change over time, so the cost of the vehicle can be a starting point.

This is generally true when the vehicle is still relatively new, such as a car that you purchased a month or two in the past. The insurer may use the current price and then calculate the depreciation rates based on the vehicle and the situation to determine a fair amount after determining that the car is a total loss.

Market Value

In the case of cars that are older and have been on the market long enough to determine the cost based on the market value, the insurer may use a guide to determine the fair market value of the car.

Depreciation rates can vary based on several factors, including re-sale value. Guides provide information regarding the current market value, which is then used to determine the value of the car. The current market value may be less than that price that you paid to purchase the vehicle.

Determining the value of your car can be complicated, but there are ways to evaluate the amount that you can expect. To learn more, contact us to talk to an agent today.

Every driver in Mount Holly, NC is required to purchase car insurance to protect other drivers on the road. Even though you must have liability protection, you can opt to purchase more than the minimum amount and the prices that you can expect to pay will vary based on the situation.

What Impacts Your Rates?

Several factors can contribute to the quotes that you are offered on your car. Furthermore, there may be specific situations that cause your rates to increase or decrease over time.

Generally, your experience behind the wheel, your marital status, your credit rating and your driving history will impact your rates. You can also apply discounts to your policy to reduce the rates, but the options that are available can vary. Some insurers may offer reduced rates for individuals who have not been in an accident or who take a safety course. Additional options can vary based on the company and the situation.

Getting Lower Rates

Along with the details that impact your rates, there are ways to lower the cost that you will pay. You can apply discounts, but qualification standards will vary between plans and insurance providers.

Looking at several options and comparing quotes can help you find a lower rate. The cost of coverage depends on the insurer and some companies may offer lower rates or use methods of calculating your rates that differ from the requirements of other insurers. By comparing several options, you can get better premiums.

Getting car insurance is a necessary part of owning a vehicle, but that does not mean you must pay more than average for the coverage. You can reduce the rates by understanding the factors that impact the premiums and taking steps to apply discounts to your policy. Contact us to learn more about your options.

You’re in a situation where you have multiple drivers living in the same household, and you’re not sure whether everyone needs to be listed on your policy. In this type of situation, insurance companies assume that all household members have equal access to the vehicles. Due to the potential risk that this causes, many companies require all drivers to be listed on the same auto insurance policy. This may include household members who do not currently hold a license, but have been licensed in the past. In addition, if other household members have their own cars, adding multiple automobiles under the same policy is helpful for decreasing your insurance costs. Multi-car discounts add up fast, although this can backfire if one of the household members has an accident or moving violation.

If you have roommates or other non-family members in the household and you don’t want them sharing a policy with you, some insurance companies allow adjustments to the auto insurance policy. You have to prove that the household member is an excluded driver from your policy. Each company has their own requirements for qualifying as an excluded driver. Generally, the household member has to prove that they hold their own insurance policy on their vehicle, and they will not be driving your vehicle.

Insurance companies may penalize you if an excluded or uninsured driver ends up getting into an accident while driving your vehicle. You are held liable to costs associated with the accident. It’s also likely that the insurance company will cancel your policy in this situation.

When you live in Matthews, NC and commute to a different state, it can be tempting to look for insurance coverage that is appropriate for the state where you drive the most often. Even though you may commute across state lines, it is not usually appropriate to buy car insurance in a state that differs from the state where you have registered the vehicle.

Protection Across State Lines

Living in one state and driving over the border to a different state can make it confusing to determine the appropriate auto coverage for your vehicle. State laws often have different minimum requirements regarding the coverage that is appropriate; however, you want to insure your vehicle in the state where you live and have registered the car.

Even if the other state has a higher minimum requirement, buying insurance in a different state can result in losing coverage after an accident or facing penalties in your home state.

In general, many insurers will automatically adjust your policy when you are driving in a different state.

Finding an Appropriate Policy

The decision to buy car insurance that is appropriate for your vehicle can depend on your goals, budget and concerns. An appropriate policy begins with ensuring that the minimum state standards are met. After you know what you are required to carry, you can add to the policy based on your personal concerns, the vehicle and your budget.

It is not appropriate to purchase insurance in any state that differs from the one where you live and have registered the car. If you are moving, then you will need to buy a new plan for the state where you are moving and then register the car as soon as you move. Contact us to talk to an agent for more information.

Rental cars make life easier when traveling, since you aren’t dependent on taxis and public transportation when you go on vacation or travel for business meetings. One thing to keep in mind when you’re traveling to Matthews, NC is that any insurance coverage on the rental vehicle must adhere to North Carolina’s state minimum insurance coverage. This includes a minimum of $60,000 to cover injuries, $25,000 for property coverage, and you also need uninsured motorist coverage.

Rental car companies offer to insure your car when you pick it up. The rental car insurance may be a flat fee for your entire rental period, or charged on a per day basis. Before taking them up on their offer, look at your own auto insurance policy.

Your auto insurance usually extends to rental vehicles, so you may not need to purchase separate rental car insurance. Confirm that you meet the state minimum standards with your policy before choosing to forgo the rental company’s offer, however. Another rental car insurance option is to pay with a credit card that offers this type of insurance. Credit card based rental car insurance comes in two forms: primary and secondary. Primary coverage acts as full automobile coverage for the rental vehicle, while secondary supplements your existing car insurance by paying your deductible if you get in an accident. Examine the terms of a credit card based insurance option carefully to ensure you’re properly covered.

Keep loss of use costs in mind when deciding whether or not to select the rental company’s insurance. Loss of use is a cost that the company charges to cover the time period it takes to repair or replace the rental vehicle. This is not typically a cost covered by regular auto insurance, but it is by the rental company’s insurance option.