Auto insurance protects you financially when accidents, theft or property damage occur. In North Carolina and Tennessee, drivers must carry minimum liability coverage, but accidents in Charlotte’s busy traffic can lead to costly repairs and medical bills. We offer policies that balance affordable premiums with robust protection so you can drive with peace of mind.
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Liability coverage — pays for injuries and property damage you cause to others.
Collision and comprehensive — covers repairs or replacement if your vehicle is damaged in an accident, theft, vandalism or natural disaster.
Uninsured/underinsured motorist — protects you if you’re hit by someone who lacks sufficient coverage.
Medical payments — pays for medical expenses for you and passengers regardless of fault.
Roadside assistance and rental reimbursement — optional benefits help you stay mobile after a breakdown or covered claim.
Next Step: Contact us for a personalized auto insurance quote and discover how much you can save.
What auto insurance is required in North Carolina?
State law requires minimum liability limits for bodily injury and property damage. We recommend higher limits to protect your assets. If you finance or lease your vehicle, your lender may require collision and comprehensive coverage.
Can I get a discount for a good driving record?
Yes. Many insurers offer discounts for safe driving, multiple vehicles, bundling home and auto policies and completing defensive driving courses.
Does my policy cover rental cars?
It depends. Some policies extend your coverage to rental vehicles for personal use, while others require an endorsement. We can help clarify your coverage.
Real-world protection — we consider Charlotte’s traffic patterns and accident statistics to recommend appropriate coverage.
Competitive rates — we compare quotes from multiple carriers to find the best price for your situation.
Bundling discounts — ask about combining auto with home or renters insurance to save money.
Claims assistance — we guide you through the claims process and advocate for fair settlements.
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(704) 926-7565
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(980) 206-3356
